Unsecured credit card and loan resources, and debt help.
Credit Federal - bad credit personal loan, secured and unsecured credit card,
auto loan and debt relief offers.
A
property of Pulsar Marketing Inc.
To provide
U.S. credit consumer information and links to financial products and services,
this site was established December, 2000, and premiered online in January, 2001.
This site is an independent financial information resource, and does not
directly provide consumer credit such as loans and credit cards. Instead, this
site provides consumers with financial information and links to online
resources which do offer consumer credit products and services.
For maximum effectiveness in meeting consumer credit needs, we monitor consumer credit trends,
analyze effectiveness in delivering financial news and information to the general
consumer credit public, and research financial service providers for potential
integration into our website.
Advice - Credit Questions and Answers: To
assist consumers, this site offers; on a limited basis, answers to typical credit questions.
Terms: We do not guarantee providing a response.
Any response we do provide, you accept at your sole
discretion and sole liability and you shall indemnify and hold harmless us, this
site's owners and advertisers. See full Terms/Conditions.
Contact Information about Credit Products/Services on this Site:
Questions or concerns about a particular credit
product or service must be directed at the actual provider.
Questions or concerns about a particular
credit product or service?
Use
the Menu above for info
related to a particular financial service, and visit a provider website for details.
Advertising Information: If you desire to advertise financial or credit related services, submit the
online credit advertising form.
Financial Portal
This
site is independent of the U.S. government, and is not associated with any branch or
department of the U.S. government. This site was established as a portal to educate U.S. consumers about various credit
related products and services, and to provide lenders, creditors, credit card
issuers, credit reporting agencies, debt counselors and other financial entities
a medium whereby they may present their products and services to consumers.
Advertisements
on this website are not necessarily an endorsement by its
owners nor managers. This site reserves the exclusive right to add,
replace, and to remove advertisers, as well as to deny advertising space, at its
sole discretion. This site may also assign and/or otherwise contract the
task and authority of managing website advertising space to another entity.
Terms and Conditions: To use our
website, links and resources, You
agree to hold this site and its owners harmless and indemnify its owners of any damages as a result of using this
website, links and resources. This site and its owners shall not be held liable for the
results of Your clicking-through on a resource link and applying for any product
or service.
You further understand and agree this site is not a credit card company,
credit reporting agency, lending or banking institution and does not broker
financial products/services to financial institutions.
You understand and agree this site makes no guarantees or warranties with regard to the availability of a loan, credit card, debt assistance, credit report or
any other financial product/service (beyond the advertising copy provided by the
advertiser), nor do we endorse any particular provider, product or service. This
site does not charge you any fees for using the website and the free services specifically provided by
it.
For the respective rates, fees, and other costs charged by entities who advertise on the
website, You understand and agree You must consult directly with the respective
advertiser(s).
You understand and agree that if you apply for; or purchase, a product or service from an advertisement on
this website, for details, questions, or any concerns you may have you must contact the advertiser directly.
This site does not act as
a mediator, negotiator, arbitrator nor provides advertiser contact information.
You understand and agree that some products/services may not be available in all U.S.
states, and may have other restrictions imposed by the advertiser which are
beyond the control of this site.
You understand and agree that products and services; including those offered directly by
this site and its owners as well as those offered by advertisers, may change from time to time and without advance notice. Some products and services; including but not limited to credit cards and loans, may have limited,
seasonal, promotional and/or infrequent availability. Due to ever-changing availability of products and services,
this site may contain content which does not correspond to current offers. For example,
this site may have web pages which discuss a certain type of loan product although the actual loan isn't currently
available via the website. Such web pages remain active on the website due to costs in locating and updating, plus the added costs of re-inserting content when particular products/services
do become available. Before applying for or purchasing any product or service,
You understand and agree that it is Your responsibility to first carefully read the advertiser's Terms and Conditions so you will be assured you are applying for or purchasing exactly what you anticipate. Any differences, inconsistencies or incorrect information in an advertiser's Terms and Conditions shall not be the responsibility of
this site and its owners and you agree not to hold such liable.
You understand and agree that this site does not guarantee your ability to receive approval or acceptance of any financial product/service.
Personal Credit
Some lenders give more importance to income and payment history rather than credit ratings. That can be a good thing as consumers often make mistakes
every now and then when it comes to managing their credit. With the economy's problems and consumers getting laid off from jobs, it can affect personal
credit from time to time. Bad credit happens sometimes and it should not hinder a consumer from applying for a personal loan. No matter how bad personal
credit is, there are lenders who will approve short term loans.
When searching for a loan for poor personal credit, decide if you need a secured loan or unsecured loan. A secured loan requires collateral, requires good
credit, and usually has good interest rates. When personal credit is poor, an unsecured short term loan may be the only option. This loan can have higher
interest rates but bad credit people often must pay the price to get the loan in emergencies.
Review several online lenders, their terms, conditions, and fees and don't worry about having poor personal credit. There are good companies with low fees
and there are tons of choices for unsecured personal loans. Online options can be faster than driving around town and applying.
For poor personal credit, start making payments on time every month to help
rebuild personal credit.
Identity Theives are often people close to you. Many people who commit ID fraud target family and friends, the very ones who trust them most. The reason why is because they typically have easy access to the victim's identification information, as well as access to the victim's credit cards and other banking information.
Now that Christmas shopping has begun and you're adding multiple charges to your credit card, it would be easy for an ID thief to add a fraudulent charge amongst the many already on your statement, and you just might overlook it.
We recommend itemizing all your charges and comparing them against your credit card statement. If you see charges that you did not make, challenge them.
During this season you also need to not lend your credit card to anyone. Even if borrowers don't steal your information or make fraudulent charges, they may not be as careful with your credit card as you are.
Christmas credit card application
Whether you want a secured prepaid card to make Christmas shopping safer, or if you want an unsecured credit card to fund purchases, visit our popular credit cards page to compare offers.
For a very bad credit card, you may want to apply for a low limit card that helps you rebuild credit and offers credit limit increases over time.
If you have good credit, see if you qualify for a high limit rewards card such as one that offers cashback for purchases.
Personal Finance Help:
Free, short term immediate help and long term planning tips to improve personal
finances. Learn how an annuity and insurance can help.
Tired of searching and applying blindly for credit? Let free credit offers come to you by joining our newsletter. There's no obligation to accept any offer.
Browse for more personal
finance resources.
Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.
Credit Card: Search for secured and unsecured credit card applications and apply online. Applications for all types of cards ranging from an instant approval bad credit card to no deposit cards, including platinum credit card rewards.
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.
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: Personal budget out of control? Nonprofit credit counseling, unsecured debt consolidation or free debt settlement.
Free Credit Offers: Get no obligation credit offers and receive tips and alerts to help manage your personal finances.
Home Loan: Stop paying rent and live the American dream.
Mortgage Refinancing: Fast 2nd mortgage loan quote 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.
Interest rates: view national averages of credit card, mortgage, refinancing and auto loan interest rates.
Establish or rebuild bad credit:
Although credit options are limited and more restrictive, there are still ways to establish and rebuild bad credit, including:
