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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.

Card interest rates - Get current credit card interest rates from major issuers.

Card & Loan calculators - Calculate credit card interest, mortgage payments, home refinancing, and to manage and track expenses budgets, plus create a household budget.

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.

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.

Financial calculators

Free bank checking account - Apply for a no fee, online bank checking account.

Free bankruptcy forms - Free online chapter 7, chapter 11 and chapter 13 bankruptcy forms.

Free calculator downloads - Free financial calculators and software for budgets, interest, payments, and more.

Free checking account - Free internet checking accounts.

Free credit check - Rate your credit based upon your personal history.

Free credit offers - Financial newsletter membership for free credit offers by email.

Free IRS tax calculator - Quickly and easily calculate your estimated taxes and withholding.

Free money and gov grants - Instant access (no registration and no credit card) to government grant programs and applications.

Free online tax return filing - Qualify for free tax return filing.

Government debt consolidation loans - Truth about government loans to pay bills.

Government grant - Instant access to Government grant applications with no registration required.

Government assistance - Apply for government assistance programs.

Government grants for disabled - Apply for disability grants.

Government grant federal unclaimed money - Locate and claim unclaimed money.

Government grant foundations - Check to see if you qualify for a grant.

Government nontraditional grants - Review other types of grants.

Government pensions - Information about government retirement plans.

Government private grant foundations - Search for a grant from other foundations.

Government unclaimed funds - See if you are entitled to free money.

Government unclaimed money - See if someone owes you a refund.

Government veteran grant - Veteran grant programs.

Government women education grant - Educational grants for women.

Insurance - Get online quotes for life, home and auto insurance.

Interest Rates - Get current interest rates for loans and credit cards.

No collateral business loan - Quick cash for small businesses.

Personal budget - Download our personal budget software.

Personal budget software - How to use our personal budget software.

Personal finance - Keep track of personal finances with our services and resources.

Personal finance newsletter - Free personal finance management tips and special credit offers.

Plan retirement - Prepare for retirement with our tips.

Question and advice - Free online help, just submit your question and get an answer.

Reminders to pay bills - Free reminders so you pay bills on time.

Track expenses - Free software to track where you spend your money most.





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.


Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.


Debt Counseling: Nonprofit credit counseling, unsecured debt consolidation or free debt settlement.


Free Credit Offers: Get no obligation credit offers and receive alerts and tips to manage personal finances.


Home Loan: Stop paying rent and live the American dream.


Mortgage Refinancing: 2nd mortgage loan for remodeling, equity cash out or a debt consolidation loan.


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


Personal Loan: Short or long term personal loan.


Personal Finance: Create a personal budget, balance a checkbook, file bankruptcy and more.


Free Help: Personal finance newsletter, credit advice and tips.


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



U.S. Consumer Credit Applications - Click Choice to Preview Details:


Unsecured Personal Loan

Credit Card Match (Secured, Unsecured, Rebuild Credit, Rewards)

Debt Relief (Credit Counseling, Debt Settlement and Consolidation)

Credit Report - and - Credit Repair
Auto loan (New, Used and Refinancing)

Mortgage Loan (New Home, Equity, Refinance)



Secured or Unsecured Credit Card Offers



Good or Bad Credit Personal Loan Application

Apply for a bad credit unsecured loan with no credit check or a personal loan of up to $10,000. A payday loan offers instant, guaranteed approval and is ideal as an emergency cash loan. A long term personal loan offers lower interest but requires good credit. Compare benefits of a short term and a high risk loan and submit an online application.



Unsecured Debt Consolidation or Negotiate Settlement

Unsecured Debt Consolidation or Negotiate Settlement

Can't pay bills or get a loan due to bad credit?

Stop harassing creditor calls and collection agency problems.

Apply for an unsecured debt consolidation loan, a quote for non-profit credit counseling or learn free debt settlement tips.

Debt Relief Counseling



Whether you have bad credit, no credit, fair or excellent credit scores, a wide range of consumer financial offers are presented here for you to review before you submit your online application. Get soft matched to credit cards with a match service that has no hard credit report pull to preview options.


Review the full terms and conditions, interest rates and other details about new auto loans, used car loans, auto refinancing, secured and unsecured credit cards, debt assistance programs, credit reports and scores, mortgages, payday and personal loans for all credit types.


If what you are seeking is not currently available, join our free newsletter subscription so you can be notified whenever new financial services, creditors and lenders are activated.



Personal Credit


Many consumers try to monitor their personal credit, and for those who do not have the time or energy, there are agencies that will do it 365 days a year. These companies usually have a monthly fee, and they will send email alerts when some kind of change happens. Since there are so many choices, it is a good idea to compare fees and services before applying. Email alerts are usually sent when there is any new activity which can be in many forms. The great thing is the client may only need to check their personal emails, to see if there are new changes on their reports.


Examples of Credit Alerts:


* New public records on reports.

* Negative comments from creditors.

* Address changes or other signs of fraud.

* New credit inquiries or new lines of credit are opened.


Using a monitoring service has helped millions of people get indications of identity theft. By being notified immediately, a person can react swiftly to possible problems concerning fraud or mistakes on reports. The Federal Trade Commission has estimated that millions of Americans have been a victim of identity theft in the last few years, and is increasing. 


A credit score is a three digit rating that some creditors use to predict a consumer's behavior. It may indicate how likely a debt will be paid or the possibility of filing for bankruptcy. When viewing reports look at every item and look for any incorrect information. Review your address details, date of birth, and employment information. If there have been any judgments and liens, make sure the documentation is correct, as well as any account information listed. Look for any credit inquiries that you did not initiate, as this can be a sign of attempted fraud.


Reports are used by creditors to make decisions about the interest rate they will charge. Awful scores usually mean higher interest rates will be charged. By monitoring scores, when you see scores falling, you can take control to repair scores. Scores can mean the difference between getting a job or getting turned down for a job. Bad credit could even mean getting insurance at a higher cost. Creditors especially like to see how bills were paid before they choose to extend credit to an applicant. 


Credit bureaus keep personal credit information for as long as ten years for chapter 7 bankruptcy and closed or inactive accounts. Negative comments and public records can stay on as long as 7 years. Unpaid tax liens are not removed from reports. It is important to try to keep credit in the best possible shape, and some people do better when they let a credit repair service help them understand their reports and learn how to rebuild scores.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability. Review Credit Cards and Loans - Copyright © 2011 All rights reserved - by eSmartCredit Network™

Loan Sources - We have over 200 Banks & Companies that offer Home Loans, Auto Loans and Bad Credit Personal loans. Many require absolutely NO COLLATERAL & NO CO-SIGNERS. Also, home ownership is not required.

Options That Require No Money Down - Did you know there are many other options for people with bad credit? It is possible to receive a vehicle or home with NO money down and NO credit check guaranteed! You can also find many government resources within our member's area to help you get that loan you deserve!

Credit Cards For Those With Bad Credit - We have over 200 Banks & Companies that offer Credit Cards with credit limits from 1,000 to 15,000 dollars.

The remarkable thing about our lenders is that most applications are done with no social security number or even no credit check.

Debit Cards - A debit card looks like a credit card but works like an electronic check. Why? Because the payment is deducted directly from a checking or savings account. If you use a debit card at a retail store, you or the cashier can run your card through a scanner that enables your financial institution to verify electronically that the funds are available and approve the transaction. Most debit cards also can be used to withdraw cash at ATMs (automated teller machines). As with similar financial products, rewards-linked debit cards are designed to encourage people to use a certain bank and its services. Before opening a new account or changing banks just to get a different perk, study the fine print. Start by reading the disclosures that explain the account terms and fees to understand the potential benefits as well as the costs.

Where can I get a loan without being credit checked? Just about every payday company; as well as many longer term personal loan lenders, offer guaranteed approval with no credit check even for very bad credit people. Some applicants overlook that fact as they wonder why these lenders charge high interest rates or fees... the reason is simple: these are high risk loans, meaning the lenders are taking a huge gamble and often lose money due to default. That's why secured personal loans can charge lower rates, since they often require a credit check and lend only to fair credit applicants, and they require collateral to cover the loan to guarantee it will be repaid. Collateral and credit checks reduce risk and lender rates/fees, whereas no credit checks, no collateral equate to higher risks.

New Credit Report Score Formula is More Forgiving of Medical Bills and Old Debt
End of Year Car Buying Tips to get the Best Deal
Apply for the Best Back to School Credit Card for Savings Rewards on Clothes, Shoes, Notebooks and All Supplies
Which is best for a teenager, a credit card or a debit card
How Car Accident Affects Credit Score
Consider the Advantages of Buying a Used Car VS getting a Brand New Auto Loan

Daily Credit Tip/Advice: Credit Card to Rebuild Credit - Consumers not only use a credit card for paying their bills but also to build or rebuild credit. Having at least one or two credit cards can help boost credit scores if the cardholder keeps up with payments. Many people suffer from bad credit history as a result of late payments, exceeding their credit limits and having outstanding balances. If you wish to regain a good credit rating, consider a prepaid credit card that reports to at least one major credit bureau. A prepaid card can also help you avoid uncontrolled spending.

Daily Credit Tip - Improve Debt to Income Ratio - Take a close look at your little spending habits that add up. Consider putting some of that money into an emergency loan fund, to pay down debt and to invest for retirement. Create a budget and plan for inflation.


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