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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.

  


Tip of the Day: Would it be foolish to get another unsecured credit card when you already have several cards maxed out? Perhaps not. Your FICO score takes into account how much of your total credit line is already obligated on credit cards and other revolving credit accounts. If you are close to maxing out your credit cards, this can lower your score. So getting yet another unsecured credit card may not harm your score, but could help it (considering there are no other problems with your score) by increasing your available credit limit. But don't max out the additional credit card, too.


Tip of the Day: To curb credit card charges, wrap your credit card in a sheet of paper and keep a log of purchases written on the paper, with a grand total of charges in view each time you reach for your card. Before swiping your card, figure out how many hours you'll have to work in order to payoff the charge and jot on the paper: "IOU #Hours of Work". Perhaps seeing how long you'll need to work to payoff the charge will help curb spending.

  

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.

 

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.

 

 


Should I destroy all my credit cards when money is tight? Access to credit may be helpful in tight times, allowing you to manage unforeseen expenses such an emergency home or car repair. Just be sure to evaluate how using credit now will affect your budget in the future. • With a good credit history, you may be able to work with existing lenders to lower your interest rate and negotiate better terms for existing loans. • When you receive gifts of money, get a bonus or pay off a debt, use the extra money as “powerpayments” to pay down your remaining debt. • Make certain you are getting any available perks associated with your credit cards, such as credit toward payments, points toward frequent flyer miles or gifts that could be used for upcoming occasions.



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.
 

TheColumbiaBank.com Review - © 2011 Fulton Financial Corporation. All rights reserved. 

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