Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.
Credit Report: Free credit report help to fix credit report errors and improve credit score ratings. You are entitled to one free credit report annually.
Debt Counseling: Get your expenses under control with credit counseling, an unsecured debt consolidation loan, debt management or negotiate debt settlement.
Free Credit Offers: Get no obligation, free credit offers plus financial tips to help effectively manage your personal finances.
Home Loan: Free multiple quotes from mortgage lenders. Apply for a new home loan and start building your financial security.
Mortgage Refinancing: 2nd mortgage loan and other types of mortgage refinancing for home remodeling, equity cash out or a debt consolidation loan and more.
Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.
Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.
Personal Finance: How to file bankruptcy plus free bankruptcy forms. Create a household personal budget, balance a checkbook register, track expenses and more.
Benefits of Credit Card Matching Services: Applying for too many cards can actually hurt your credit score. If you're not certain what credit rating cards you qualify for, not only can applying for multiple cards harm your score, but you'll also waste time.
A credit card match service can narrow the list to a select few cards which more aptly fit your credit profile. It's also possible that they can find the ideal card for you, one you didn't even know existed.
In a matter of seconds, they can match you against a database of hundreds of credit cards, then present you with the cards you'll have a greater chance of obtaining approval.
Need help re-establishing credit? Apply for an unsecured credit card to rebuild credit from an issuer who reports your payment activity to at least one credit bureau. Compare bad credit card rates.
Tip: Avoid temptation by asking your credit card issuer to lower your total line of credit
*By making on time payments and keeping your balance under the limit, you may be able to improve your credit score
How can a credit card help rebuild credit?
A credit card which reports your timely payments to a major credit bureau will show potential loan lenders and card issuers your ability to make good on your financial obligations. Not only will a good credit report assist you in obtaining loans or other credit cards, it can also be a huge factor on the interest rates lenders and issuers may grant you.
Get a credit card to rebuild credit. If you have very very bad credit; such as recovering from bankruptcy, you may have a difficult time obtaining an unsecured credit card. But even a secured card can help rebuild credit.
Tips for credit rebuilding with a secured credit card:
Don't use all of your available credit. Maxing out your credit cards hurts your credit score.
You don't want to charge more than 30% or so of your credit limit, and you want to pay the balance off in full each month. Light, regular use of a credit card is what helps build your credit.
And contrary to what you might have heard, you typically don't need to carry a balance or pay credit card interest to build your score, since the leading credit scoring formula doesn't distinguish between balances that are paid off and balances that are carried month to month. Get in the habit now of not charging more than you can pay off every month; your credit score and your finances will be the better for it.
What to look for when choosing a secured card:
No application fee and low annual fee. Some secured cards charge huge upfront and annual fees. Fees don't help you rebuild credit.
Reports to the major credit bureaus. You're not doing your credit score any good unless your payment history is being reported to the three major bureaus: Equifax, Experian and TransUnion. Call and ask if the card issuer regularly reports to all three before you apply.
Converts to an unsecured card after 12-18 months of timely payments. Good behavior should get you upgraded to a regular credit card within a year or two.
Apply online for an easy approval credit card. There are credit cards designed for people who have troubled credit and desire to improve credit scores. Although these card issuers may not offer a high credit limit, they nonetheless do offer an unsecured line of credit which can be used like any standard credit card. You can book flights, make airline reservations, purchase from retail stores, etc.
In addition to standard cards, it's possible to get approved for a gold unsecured credit card branded by major credit card issuers such as Visa and Mastercard. They have cards that can help you rebuild credit by reporting your timely payments to the major credit bureaus.
Free Tips to Rebuild Credit
- To rebuild credit, create a positive credit history as this stays on reports and negative information only stays on credit reports for a certain period of time. Educate yourself so you can work on improving credit scores. Use these tips and begin to establish positive credit history:
Pay bills on time. Lenders often look at recent payments instead of payments years ago.
Use your complete name.
Print clearly when you apply for credit.
If you need help, seek a professional.
Don't apply for credit if your finances are out of control.
Give accurate information, so credit history is correct.
Know what is on credit reports before applying for credit.
Don't fall behind on payments, contact lenders if ahead of time when there is a problem.
Set up a budget and live within your means to avoid debt problems.
You don't need a credit repair company to establish or to rebuild credit. You can rebuild credit free yourself. If you use a credit repair company, the Credit Repair Organizations Act is a federal law that prohibits these agencies from taking your money until they complete the services they promise. They must provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Consumers have three days to withdraw from the contract.
what's in a credit report, how to understand it and how to check it for
errors. Make sure your credit information is accurate and compare your Experian, Equifax and TransUnion reports side-by-side.
Centennial unsecured credit card: Even if you have less than perfect credit, the Centennial® Classic Credit Card may be the credit card you're looking for. The Centennial® Classic Credit Card may be able to help build, rebuild, or reestablish your credit history if you make on-time minimum payments with all of your creditors and maintain your account balances below the credit limits. This card offers you monthly reporting to major Consumer Reporting Agencies. The Centennial® Classic Credit Card is a credit card, not a debit card or prepaid card. Use your Centennial® Classic Credit Card everywhere MasterCard® cards are accepted (subject to available credit).
Review information was collected from the website, and is neither an endorsement by us nor a confirmation of content nor a warrnty of any claims made by the website. Use the review information at your sole discretion and sole liability.
Getting-A-Credit-Card is a resource for finding the right credit card for you such as cash rebate credit cards, airline miles credit cards, student credit cards, business credit cards, low APR credit cards.
Most people will charge about $1,000 on your credit card per month. What if you could get cash back on all those purchases? Let’s say 1% cash back on those purchases; this will put another $120 in your pocket this year. Due to these rewards, many people have been moving from airline miles credit cards to cash rebate credit cards.
These reward credit cards have been so popular that 50 percent of all credit card offers this year had some sort of reward component, whether it is cash, airline tickets, or even savings for college. The best part is that around 80% of these cards have no annual fee. The only catch is there is usually a higher APR associated with reward credit cards, especially cash rewards. The reward credit card APR can be as high as 4% above the average credit card APR.
Due to the High APR, it is imperative that you pay off your cash rebate credit card on a monthly basis. Otherwise, those cash rewards will just go to waste because you will be paying more in interest then the rewards that you receive. There are two types of cash rebate credit cards. A flat percentage back and those with a different level award system, moving from let’s say 0.25 percent to more than 1 percent based on your spending habits. For instants, Bank One’s Free Cash Rewards Visa pays you $25 each time you spend $2,500, up to $600 a year.
Apply for a credit card with no application fee
Low interest credit cards can be a great way to get out from under a mountain of debt. Many credit card companies have been offering low interest credit cards as a way to attract new consumers to their credit cards. Low APR credit cards are usually a short term offer, about a year, but if you use them right you could get free money lending for a whole year. There are some things to look out for when getting a low interest credit card.
Know that most low APR credit cards are short term offers. The credit card companies attempt to draw consumers to their credit cards with the low interest offers, which you should be happy to take advantage of. The only problem is that the rates on a low interest credit card usually rise after the first year. So make sure that you read your agreement with the credit card company. And don’t let your balance get too high before the end of the low rates because you may be paying a ridiculous amount in interest payments.
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.
Apply for a credit card for the first time - It is definitely exciting to apply for your very first credit card. Mixed emotions of excitement and anxiety can be felt by people who are planning to apply for a credit card for the first time.
Your very first credit card will build the foundations of your credit history.
If you are going to apply for your very first credit card, always keep in mind that this application will stay in your credit history for five years. Your first credit card can cause you damage in your credit history if you are not going to use it well. If you are not responsible enough with your spending and paying habits, then your first credit card can be your last credit card at least for the period of five years until your credit history is all clean. Therefore, when you own a credit card, it is necessary to pay your credit card statement every month.
You will have to stick with your first credit card for a while.
Actually, a lot of people are sticking to their first credit card for quite a long time because building a good credit history is important before you can apply for other credit cards or a loan. Aside from that, establishing a long-term relationship with the financial institution of your choice can be beneficial for you in the long run because you can apply for loans with that same financial institution and are more likely to get it granted. However, you need to ensure that you do not maintain a high debt balance so that you’ll have a clean record on your file.
Expect that your first credit card will cost you more money.
Generally, when you have your first credit card, it’ll be your first time to pay interest rates associated with owning credit cards. A low interest credit card might be appealing and while you pay all your debts in full every month, you are able to save money from paying high interests. However, if you are not able to pay for your debt each month it will accumulate and be subjected to high interest rate charges. Because of that, it will be much better to apply for credit cards that offer low interests rates rather than to choose credit cards offered for first time users.