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What to do with extra money? Should you invest, save, or payoff high interest debt? Each person's situation is different, so there's no one straight answer. One thing to consider is if you have a credit card with a high rate and a large balance, paying it down may make more sense than placing the money into a 2% savings account. Also remember that investing can be a high gamble, so don't invest any money you simply cannot afford to lose.

                         

Consumer credit application articles and tips

  

Annuity - Learn about annuity investments.

Balance checkbook - How to balance a checkbook and download our free checkbook register software.

Bank checking account - How to read a bank checking account statement.

Business loan - Get funding to start a small business or to finance a corporation.

How much money can I borrow - Input the amount you can afford to repay, whether bi-weekly or monthly installments, and the calculator will review the maximum loan amount you can afford to payback.

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Checkbook Register - Free CheckBook Register Software to Manage Expenses

Christmas credit card - Apply for a Christmas credit card to make gift purchases.

Christmas credit card debt - Options on how to get help with too much Christmas credit card debt.

Christmas credit card shopping - Tips for safe shopping with your credit card.

Christmas gift cards - buying, selling and trading retail store gift cards. Buy discounted cards or sell gift cards for cash.

Christmas personal loan - short or long term personal loan with monthly installments to purchase Christmas gifts.

Consolidate student loan - Apply to refinance student loan debt for a lower interest rate and payments.

Counterfeit money - Spot counterfeit money and report fake money to the govt.

Create a will - How to create a will yourself and prepare a living will.

Credit card statement - How to read a credit card billing statement.

Credit and divorce - How divorce affects your credit score and bill payments.

Credit and loan prequalification - Prequalify for credit cards and loans based upon your credit score.

Espanol credito - Obtenga el crédito y los préstamos financieros. Algunos abastecedores del crédito no tienen traducción española. Tarjeta de crédito.

File bankruptcy - How to file bankruptcy, chapter 7, 11, 13.

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How to Calculate Net Worth

Bank Credit Unions Anyone can Join

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Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.
 

Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.

  

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Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.

  

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Interest rates: National averages of credit card, mortgage, refinancing and auto loan interest rates.
  

                         

  

Credit Information Search

                        

My credit application was rejected, what happens next? You are entitled to receive a free credit report from the bureau (or bureaus) the creditor used which influenced the denial decision. Check to ensure there are no errors and; if so, report them to the respective bureau.


Research all information relating to:

 

Auto Loans, New, Used and Refinancing

  

Credit Cards, Secured, Unsecured, Debit and Rewards

   

Credit Repair, Do-It-Yourself Credit Improvement

    

Credit Reports, Experian, Transunion and Equifax

    

Debt, Counseling, Settlement, Bankruptcy and Consolidation

    

Mortgage Loans, New Home Purchase, Reverse and Refinancing

    

Personal Loans, Short and Long Term Installments

 

  

U.S. Consumer Credit Applications - Click Choice to Preview Financial Offer

     

Personal Loan  Short and Long Term, Secured and Unsecured (as available)

Credit Card Match  Secured, Unsecured, Rebuild Credit and Rewards

Debt Relief  Credit Counseling, Debt Settlement and Consolidation

Credit Report  Fix Credit Report Errors and Improve Credit Score

Mortgage Loan  New Home, Equity and Refinance

Auto loan  New, Used and Refinancing (as available)

     

     

Can I get approved for a credit card or loan? Look at your credit approval worthiness from a creditor's point of view to help you figure out if you qualify before you apply.

  1. Do you clearly have the ability to repay the loan. Do you have adequate income and steady employment.

  2. Do you have assets, such as savings and checking accounts, CDs, personal property, real estate, etc. If so, this shows creditors that you have financial stability.

  3. Do you have too many; or too much, liabilities like credit cards, installment loans, child support or alimony to pay.

  4. Do you meet obligations, such as making all payments on time, have a good credit report, etc.

  

Comparing various credit offers can not only be confusing, yet also quite time consuming. Referring to forums and advice boards are not much use either, as you cannot verify the truth of any statements as they could have been submitted by a representative of a credit company.

 

When considering credit cards, the pros and cons of each one can make your head spin. There are secured, unsecured, pre-paid and debit cards. Among those there are different issuers all with differing terms, fees, rates and rewards. Some cards are reserved for excellent credit applicants and some are designed to rebuild credit. Many people dedicate vast amounts of time comparing cards only to discover after they apply that they are not qualified and their application is rejected.

 

Auto loans may not have as many variables, yet there's a huge advantage of networking to find the absolute lowest interest rate as well as a great deal. Requesting multiple free quotes with no obligation can make the lender choice easier.

  

Personal loans are not all alike, as they can be secured or unsecured, with either short or long term repayment periods with monthly installments. Even the simpler payday advances. are comprised of lenders with varying interest rates and fees to be compared, in addition to finding one with a good customer service record. There are also some payday lenders who offer longer repayment periods than the typical two weeks. As for large personal loans, based upon the lender there are both secured and unsecured types.  High amount personal loans with long term repayments have their own interest rates and fees to consider.

  

Best lenderpreviews consumer credit offers in an effort to make comparing, choosing and getting an approved application easier for the consumer. In some instances, it can be highly beneficial to use a free matching service to find the credit you need and qualify for without unwanted hard credit pulls. In some instances, you can get pre-approved with only soft pulls, or with no credit report reviews whatsoever.

     

     

Gppd lender makes it easier for underserved consumers to locate and obtain the financial assistance they need.

      

Secured and Unsecured Credit Card Offers

There are credit cards for all credit types, for first time card holders to those who need to rebuild credit, as well as rewards cards for people who already have excellent scores. Use a card matching service to find pre-qualified card offers that may best fit you.

    

  

Good or Bad Credit Personal Loan Application

There are two main types of unsecured personal loans 1) A short term bad credit personal loan with no credit check typically limited to $1,000 and, 2) A long term personal loan with monthly installments and a large fund of up to $10,000 or even $25,000. The reasons for these differences is to enable lenders to offer loans to people of most all credit types. High risk personal loans offer lower amounts and higher interest rates to offset the lender's liability. Applicants who pose a very low risk of loan default can obtain larger loan amounts and lower interest rates.

(Offers as available depending upon lender participation; subject to change)

  


 

Sometimes there is some emotional conflict when people try to decide which way to go about paying down debts. They wonder if they should pay off bills with the highest interest rates first, or pay off the smaller bills. Deciding to start with the smallest bills, can help to get going on the task and be more motivated. There is a good feeling to know one debt has been paid in full and something is getting accomplished. Setting goals to get debts paid off, must begin with changing behavior. This means spending money wisely. Knowing the bills must be paid is one thing, but actually getting it done can be harder. By paying off a small debt, it may encourage more good intentions to continue to get out of debt.

 

To get started, target one small debt and try to pay more than what is required each month. Consider paying something weekly, in addition to making the regular payment on time. It is surprising how you begin to see your efforts pay off. Keep a list of the small debts and the order in which to pay each one in full, and mark them off the list as it is done. Seeing the results of every small bill paid, will be uplifting. Keeping the list with each debt scratched off, will remind you how hard you have worked and how far you must go to finish the job.

 

Getting into debt is fun and easy, getting out of debt is stressful and requires a plan of action. Before spending one dollar, ask yourself if the expense is wasteful and if you can live without spending your hard earned money. If the answer is that you can live without spending the money, you will realize you now have more money left to pay down more of the bills. Keep sending in money for bills and keep getting closer to being out of debt. When help is needed, consider seeking a professional for advice and debt counseling.






I lost my job... what do I tell creditors about my past due bills? Try to keep spending under control so you can pay your bills using existing bank and brokerage accounts for, say, the next three to six months. If possible, avoid withdrawing or borrowing money from your retirement savings. If you anticipate problems paying debts, such as your mortgage or the minimum due on your credit card, contact your creditors immediately and attempt to work out a payment plan. One reason to keep loan and credit card payments current is so that you can maintain the best possible credit record. Prospective employers may review your credit reports when you apply for a new job. Also, carefully review your employer's severance benefits, including the temporary continuation of your salary and health insurance, and try to negotiate a better deal.



Get a Credit Card Late Payment Fee Waived

If you've been a timely paying, long-time member of the card company you had a late payment with, it's possible to have the late payment fee removed. Simply call the card company via the 800 number listed on the back of your credit card, and remind the representative that you're a long time customer in good standing. Even if the representative is adamant that the fee cannot be waived, it's possibly to have the fee offset, such as by getting your interest rate lowered. In some cases your issuer may waive the late fee if you set up an auto pay with your bank to prevent future late pays. If your card company still won't waive the fee, ask to get it lowered. Good cardholders are difficult for issuers to latch onto, so a threat to transfer to a different card company may nudge the negotiations along. Long time steady paying cardholders have an advantage, as there are many other competing card companies who love to have your valuable business.

  

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