Credit Advice & Tips

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It's time to begin planning
your holiday funding.
Apply for a Christmas credit card
or for a Christmas personal loan





Auto Loan: Apply online for a good or even a very bad credit auto loan quote, including a new or used auto loan or refinancing.

Credit Card: Browse good and bad credit card applications including instant approval credit cards, gold, platinum, and guaranteed card offers.

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

Debt Counseling: Personal finances out of control? Unsecured credit counseling, debt management, debt negotiation or free debt settlement.

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

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

Mortgage Refinancing: Fast 2nd mortgage loan quote for remodeling, equity cash out, debt consolidation or other reasons.

Payday Loan: Get a good or bad credit unsecured loan with no credit check, no security (collateral) and no cosigner.

Personal Loan: Short or long term personal loan up to $10,000 (as available, or view alternative loan options).

Personal Finance: How to file bankruptcy and get free bankruptcy forms, create a household personal budget, balance a checkbook and more. Get our free personal budget software.

Financial Help: Get the latest financial news. Search Credit Federal for credit card, debt assistance, auto loan, home loan, mortgage refinancing, payday and personal loan applications and information.
Get free online IRS tax filing, or settle IRS tax debt

Browse for more credit offers.


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



Pre-qualify for a loan or a credit card. Our form for credit card and loan prequalification can help you choose offers based on your credit history. Get pre-approved credit now.


Credit card and loan prequalification

Number of times you were late paying
credit card bills in the past year?->

Number of times you were late paying
mortgage/rent in the past year?->

Number of times you were late paying
OTHER bills in the past year?->

Your annual income?->

Do you have an active credit card?->

Number of GOOD credit references
you have on your credit report?->

Have you been denied credit
in the past year?->

What percent of your income is
spent to pay monthly bills?->

Is bankruptcy on your credit report?->

The data you enter above is not stored on our server, nor is it shared with any entity. This form provides an estimated prequalification (pre-approval) for loans and credit cards based upon your input, and is not a guarantee of acceptance.


Perfect credit? Fair Credit? Bad Credit?
Aren't sure what types of credit cards and loan you are qualified to receive? Use our fast credit card and loan prequalification form. Upon submission, Credit Federal will provide you with details about which types of loans and credit cards may fit your credit history*.

Our prequalification form will rate your input and score you according to one of these four categories:

Bad credit
Poor credit
Fair credit
Excellent credit

*This form is not an application, nor is it part of any application process. Our credit card and loan prequalification form uses an abbreviated history of your credit; as you know it to exist, and provides you with "suggested" offers. There may be other items on your credit report which you are not aware. Credit Federal does not guarantee that this prequalification form will result in approval for any credit card or loan offer. The final approval authority rests solely with the card issuer and loan lender, and may be based upon an actual review of your credit report. Before applying for any credit, refer to the Terms and Conditions of each offer.

Submit our credit card and loan prequalification above.


If you aren't sure if your credit score is good enough for a particular credit card or loan, contact the issuer or lender and ask what their minimum score requirement is. It's likely they'll give you a range of possible credit score qualifications.


Credit Card Offers By Credit Score: Receiving credit card offers for your credit score makes the best sense. If you have really bad credit, you're wasting your time by applying for high limit rewards cards from major issuers because it's most likely your application will be rejected.

Want to know where you can get free credit card offers by credit score? Use our credit prequalification tool for assistance. We'll also provide no-obligation application links.

Credit card matching services can help you pinpoint the types of cards that you may most likely qualify for, thus saving you time and effort as well as limiting the number of inquiries for your credit report. They can also provide you with high risk credit card applications that have no credit check and offer instant, guaranteed approval.

By inputting some basic information (typically non-sensitive data), a credit card matching service can get a good picture of your credit rating without having to look at your credit report and without needing your Social Security Number.

Take a moment to signup so a matching service can help you find credit card offers by credit score. Simply by submitting your email address, you can receive information about a card matching service as well as a link to their free no-obligation service. Within a minute you can browse offers which match your credit profile. If you like an offer(s), submit a preapproved credit card application with more confidence of being accepted.

Typically, if you have very bad credit or absolutely no credit history whatsoever, you may only qualify for either a pre-paid card or perhaps an unsecured high risk credit card that has a low credit limit. If you have some credit problems but also have two or more good credit references, you may get approved for an unsecured credit card to rebuild credit. Unlike very high risk cards, these cards may have a lower fee and interest rate.

A card matching service can eliminate a lot of the guesswork for you, thus saving you time, aggravation, and limiting credit score checks.



Government Money


The government is not just handing out money without a good reason, and when they do, it is usually in the form of providing services. For example, the American Recovery and Reinvestment Act is involved in education. It helps to provide a better education for all children which is important for America’s economic future. It gives children an education so they can be successful in a global economy, and this involves early education. The government may give money, but it is not by just freely giving it to individuals, it may be in the form of grants.


Examples of ways the government provides money:


* For early learning programs like Head Start and programs for special needs children.

* For elementary and secondary education.

* To help stabilize state education budgets.

* To improvement teacher effectiveness.

* To improve achievement in low-performing schools.

* To collect information to improve student learning, and teacher performance.

* To improve access to higher education.

* To invest in new ways to help teachers improve student outcomes.

* To invest in a national effort to prepare and reward outstanding teachers.

* To restructure college financial aid.

* To invest in community colleges for high-demand skills and education.


Just like the government may provide money toward education programs, it also provides money for other programs. Review the government's official website for more information. When there is not a grant option or program to qualify for, a payday loan may be one choice to get money.

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

Bad Credit Checking Accounts: Bad credit has so many issues attached to it, which include legal problems, which takes time to get out of. Usually checking accounts are refused by the banks based on the ChexSystem as well as the credit reports from credit reporting agencies. Most of the banks use the ChexSystem, where the person gets reported when they owe a bank money and they have insufficient funds and it is not paid back. You get turned down by the banks once you are on this system.

This is where banks have decided to draw the line and take on the role of a savior. Gone are the days when a person with a bad credit score is shown the door and not allowed to open an online checking account. In the present day scenario, Banks understand the complexities of life and realize that people do make mistakes and it is only human to do so. With this realization comes the allowance to open a checking account for people who have a blemish or two on the credit reports.

These protective bad credit checking accounts help people re-establish credit and clear up the bad credit forever.

There are many techniques to help you make your checking account work for you. The following are the simplest and more practical applications that you can do:

• If keeping your existing checking account causes you to spend more dollars, you might as well look for a bank that charges lower fees. You may also find free checking accounts online, but be wary of free offers that do not last long.

• Most clients end up in spending more on maintenance fees due to insufficient funds on their checking accounts. And with it come the penalties caused by bouncing checks. The penalties can deplete your checking account funds, so be careful not to let this happen.

You can manage and avoid a bouncing check by making it a habit of balancing your checkbook on a weekly or monthly basis. By doing so you are keeping your checking account in shape and your credit score in good position.

• Write post-dated checks if you are unsure of your funds. You may ask your bank to provide you a checking account guard or any system that can help your funds.

• If you can get hold of a high interest checking account, provided that your practice a good checking account management, you will find it is beneficial in the long run.

• If you have an ATM for your checking account, make sure that you withdraw only from the same bank name; otherwise you will be paying off the fees for withdrawing from another bank.

You need to be careful of ATM withdrawal fees since they can also deplete your funds. The more often you use your ATM on other banks, the more fees you will incur.

Select the bank that does not charge fees when withdrawn with an ATM from another bank.

• Some people opt to separate their savings from their checking accounts while others prefer a combined account. Whichever you choose, you need to understand that your accounts will work better if you know how to handle both.

Easier Approval Unsecured Credit Cards for Unemployed People
Even Bad Credit People can get Approved with Government Mortgage Loan Backing for Sub-Prime Applicants
Gold Credit Cards Typically Have an Easy Approval Process, Midway between Silver and Platinum Qualification Requirements.
Getting approved for a mortgage loan after bankruptcy filing can be incredibly challenging but is not impossible.
If you cannot get approved due to ChexSystems, review these bank checking account alternatives.
FICO Credit Report Score Ranges for Loan and Credit Card Approval. Check for pre-approved score requirements.
Gold Credit Cards Typically Have an Easy Approval Process, Midway between Silver and Platinum Qualification Requirements.
Guaranteed Credit Card with High Limit for Bad Credit People Unable to Qualify for Standard Unsecured Cards
How to claim social security for deceased person and survivor benefits qualifications.
The single, best credit card for gas and travel, meets two predominant requirements: the card which best meets your needs, and the one which you qualify for. With that in mind, here are several cards for you to consider.
Aren't sure what personal loan you qualify for or would best benefit from? Personal Loan Comparisons
Payday Loan Debt Settlement is one option for people who no can no longer qualify for unsecured credit cards
I'm a non-homeowner and I don't qualify for a debt consolidation loan. Is there a way I can get a bad credit loan to pay off credit card debt?
With unemployment and low income problems, mounting debt and delinquent payments, Americans are wondering how to qualify for credit cards and rebuild bad credit.
Wheres My Tax Refund? How to locate your IRS tax refund. If you haven't filed yet, you may qualify for free efiling.

Christmas Loans: Because Christmas is a special time, presents and celebrations can be costly and you may not have enough money. Christmas loans can help solve money problems. There may be offers with reduced rates, flexible repayments, or grace periods. These loans are usually personal, unsecured loans and can be used for anything - money for a down payment on a used auto, presents, or paying bills. What you get can depend on your credit and how much you can repay. Many times, even bankruptcy is not a problem for getting approved.

Special loan offers may be one right solution for obtaining Christmas money. There are many lenders who do not have the hard-to-meet-requirements for approval. Find an ideal Christmas loan solution, regardless of credit. Interest rates can be tiered according to the lender's risk. Get a couple of loan quotes; after all banks and credit unions must compete for your business to offer an interest rate lower than competitors..

Credit Advice - To help maintain and increase your motivation to save money, give yourself a reminder of what you've accomplished thus far, such as by carrying around a quarter for every $100 saved. That way, each time you feel the weight you are reminded of how much you've saved thus far and you get an extra boost of encouragement.

Credit Advice - Debt Recovery Involves: *Stop charging new debt; *Create a budget that includes saving money in an emergency fund; *Decide on a strategy (consolidation, counseling or settlement) and then the actual *Debt payoff process.

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