Credit Advice & Tips

New and Used Car Loans and Refinancing  Secured and Unsecured Credit Cards  Credit Report, Score, Repair and Protection  Debt Counseling, Settlement and Consolidation  New Home Purchase, 2nd Mortgage ReFi, Cash Equity  Short and Long Term Personal Loans


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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.

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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.

 

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.

 

 


Debt

 

People with poor credit may keep damaging scores just by getting deeper into debt or keeping debts. Those who want to find an answer to financial problems often seek a consolidation service. It is best to search one that has experience helping those with credit challenges. Many of these services, do require clients to have a certain credit score to qualify, yet there are some requirements to be eligible.

  

Some consolidation companies require borrowers to have a minimum level of unsecured debt, no existing enrollments in debt consolidation programs, and be willing to cancel credit cards included in the consolidation. People with excessively high levels of debt may not be able to qualify.

  

Having debts with high interest typically leads to credit problems, which can prevent some consumers from being able to consolidate. People with excellent credit, usually are able to get approved for a home equity, debt consolidation loan. When there are blemishes on credit records from the burdens of overwhelming debts, some debt relief programs may not be an option. 

  

However, there are many debt consolidation services who can assist those with bad credit and credit challenges. Lenders define "bad credit" in various ways, but a score of 620 or below is usually classified as poor. For scores like this, it can be next to impossible to get loans to pay bills from traditional banks and credit unions. Applicants are considered a sub-prime borrower, and few lenders are willing to assume that risk.

 

Consumers with poor credit do have some options to put a stop to constantly damaging credit scores. There are choices like credit counseling, consolidation loans, debt settlement, and the last solution could be bankruptcy. Finding the right service for individual debt needs can take some thought and research, which can be started by using online sources. Using online resources provides privacy and the ability to compare services. It can be one of the quickest ways to get a quote or check out a company to see if they are reputable.

 

Having bad credit usually does not disqualify people from receiving debt consolidation services. However, some consolidation companies may require that payments are no more than three months behind. For people who have more serious delinquencies, debt settlement or debt negotiation may be an option to consider. 

 

Some lenders offer debt consolidation loans with less eligibility criteria. Many debtors with bad credit can use these loans and pay off high-interest debts. These loans may have high interest rates, yet most loans for bad credit people do anyway. There are hundreds of choices for using professional services, the important thing is to start early, before debts and late fees are out of hand. Quotes are usually free, and it may be a step in the right direction to get one. Debt relief can help ease some of the stresses of life and may eliminate some sleepless nights.




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.
 

Bank Checking Account Reviews 

Scituate Federal Savings invites consumers to take advantage of the best interest rates for their reward checking account. You can enjoy their best checking account and have unlimited ATM access when you meet the monthly requirements. Here are the current interest rates:
* 3.25% APY for balances up to $25,000
* 0.10% APY for portion of the deposit above $25k
* 0.10% APY base interest rate if requirements are not met

The American National Bank of De Kalb County is still pushing for their best checking account called Kasasa Cash . The bank provides an interest rate of 4.25% APY for balances up to $25,000. The portion of the balance above $25k earns an interest rate of 0.58% APY. In addition to this, you get to refund ATM fees of up to $25 when you meet the following requirements:
* make at least 12 debit card purchases at the point of sale
* subscribe to electronic bank statement
* setup at least one ACH auto debit or direct deposit per statement cycle

Heritage Bank of the Ozarks provides their best interest rate reward checking account called Kasasa Cash Checking. This money in the bank deal has an interest rate of 3.55% APY for balances of up to $25,000. the portion of the balance beyond $25k earns you an interest rate of 0.55% APY. You can also refund ATM surcharges when you meet the following requirements:
* setup at least 1 automatic payment or direct deposit
* make at least 15 debit card purchases at the point of sale
* subscribe to electronic statement

Community Financial Services Bank offers best interest rate for their reward checking account called e-Rewards Checking. The bank lets you earn an interest rate of 3.60% APY for balances up to $20,000. You earn an interest rate of 0.75% APY for the portion of the balances above $20,000. Plus, withdraw ATM surcharges of up to $25 when you meet the following requirements:
* make at least 12 purchases using your debit card per statement cycle
* subscribe to electronic bank statement
* setup at least 1 ACH debit or credit per statement cycle
* enroll to online banking and access account at least once per statement cycle

MB Financial Bank is pushing for their best checking account called MB Red Checking account. This money in the bank deal lets you earn an interest rate of 4.00% APY for balances up to $10,000. Portion of the balance beyond $10,000 will earn you an interest rate of 0.25% APY. Aside from the best interest rates, you can also refund ATM surcharges of up to $5 when you maintain a balance of $5,000 and meet the following requirements:
* make at least 15 debit card purchases at the point of sale
* make at least 1 automatic ACH payment of $250 and above or direct deposit per statement cycle
* subscribe to electronic bank statement

Endura Financial Federal Credit Union is pushing for their best reward checking account called eLife Checking account. This money in the bank lets you earn an interest rate of 4.01% APY for balances of up to $25,000. The portion of the above the $25k balance earns you an interest rate of 0.15% APY. You can also refund ATM surcharges of up to $5 when you meet the following requirements:
* make at least 15 debit cared purchases with a minimum of $10 per transaction per statement cycle
* enroll to internet banking
* subscribe to electronic bank statement
* set up a direct deposit

Select Bank and Trust provides their best interest reward checking account called Easy Green Checking. The bank lets you earn an interest rate of 4.08% APY for balances up to $25,000. You can earn an interest rate of 0.50% APY for the portion of the balance of $25,000 and above and have your ATM surcharges refunded when you meet the following requirements:
* subscribe to electronic bank statement through online banking
* setup at least 1 direct deposit
* make at least 10 purchases using your debit card per statement cycle

Mid America Bank and Trust Company is pushing for their best reward checking account called Maximum Free Checking account. This money in the bank deal lets you earn an interest rate of 3.70% APY. To earn this best interest rate checking account you need to meet the following requirements:
* enroll to online banking ant must log in at least once per statement cycle
* subscribe to electronic bank statement
* make at least 10 purchases using your debit card at the point of sale
* setup at least 1 ACH debit on your account per statement cycle

Northfield Bank has an ongoing promotion with their checking account. On the first 90 days of your checking account, you must meet the following requirements to get the $150 bonus:
* make at least 5 purchases using your Northfield debit card
* make at least 3 online bill payment
* make at least $400 worth of recurring direct deposit

Avidia Bank is pushing for their best interest rate reward checking account called eChecking. This money in the bank deal lets you earn an interest rate of 2.27% APY for balances of up to $25,000. You can earn an interest rate of 0.75% APY for the portion of the balance above $25,000. Finally, you get your ATM fees of up to $10 per statement cycle refunded when you meet the following requirements:
* you must open your checking account online
* subscribe to electronic bank statement
* enroll to online banking and must access it at least once a month
* make at least 10 purchases using your debit card per statement cycle
* setup at least one direct deposit or recurring ACH transaction per statement cycle
* must not let your eChecking account go to negative balance during the month

Citizens Bank has an ongoing promotion with their best checking account.

Allegiance Credit Union invites members to take advantage of their best reward checking account. The credit union lets you earn an interest rate of 4.01% APY for balances up to $20,000. You can earn an interest rate of 0.60% APY for the portion of the funds above $20,000.

Key Bank has an ongoing promotion on their checking account which is scheduled to last until June 24, 2011. You can get this $150 Bonus when you meet the following requirements:
* open a checking account with Key Bank online and enter the offer code ONFT0311 by June 24, 2011
* make at least 3 direct deposits for $500 and above within 3 months from the time you open your account
* make at least 10 purchases or payment every month for 3 months from the time you open your account

Erie General Electric Federal Credit Union is still pushing for their best interest rate reward checking account called HD Checking. This money in the bank deal lets you earn an interest rate of 4.07% APY. You need to meet the following requirements for you to earn this best checking account:
* use debit card for at least 12 times at the point of sale
* set up at least one direct deposit or incoming ACH transaction
* enroll in electronic bank statement, online banking and bill payer
* maintain an average daily balance of $500 and must not exceed $25,000

Consumers Credit Union is pushing for their best interest rate free reward checking account. This money in the bank lets you earn an interest rate of 4.09% APY for balances up to $10,000. For balances of $10,001 to $25,000 you can earn an interest rate of 1.59% APY. If you go beyond $25,000, this portion gets to earn an interest rate of 0.76% APY. Aside from best interest rates, you get to have your ATM surcharges waived when you meet the following requirements:
* use the debit card at least 12 times for purchases
* set up at least one ACH debit or direct deposit using online bill payment
* subscribe to electronic bank statement
* acess online banking at least once per statement cycle

Plus 4 Credit Union is pushing for their best interest rate reward checking account. This money in the bank deal lets you earn an interest rate of 3.50% APY on balances up to $25,000. Portions of your balance beyond the $25k cap earns an interest rate of 1.01% APY. You also get to have your ATM fees refunded up to $25 when you meet the following requirements:
* use online banking at least once per statement cycle
* make at least one automatic payment or setup a direct deposit on your account
* use debitcard for purchases for about 10 times
* subscribe to electronic bank statement


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 Credit Card or Loan. Need a credit card to purchase Christmas presents? Or do you want a cash loan to buy Christmas gifts?
Get an unsecured credit card or a loan to buy Christmas presents
Christmas Tips: If you need a credit card or an emergency loan for Christmas, here are two resources which can help you, even if you have bad credit or no credit...

A Catalog Shopping Card offers an unsecured line of credit, which allows you to purchase products from a select vendor or catalog, and lets you make monthly re-payments. There are no credit checks or turndowns for this guaranteed card. Bad credit and no credit are no problem. See web site for terms and conditions.

An unsecured signature loan can provide Christmas funds for gifts. There are no restrictions on how; or where, you spend the loan, because you receive cash deposited directly into your personal bank account.


Credit Advice - FICO score ranges - How to know if you have a good or a bad credit rating: 580 or lower is considered a bad credit rating; 580 to 620 is bad-to-fair; 620 to 720 is OK-to-good; and 720 or higher is good-to-excellent. Your score determines how much you pay for credit in addition to whether or not you get approved. If; for example, you have bad credit and are stuck with a 22% APR credit card instead of 19%, those extra 3 percentage points would cost you an additional $334.39 in interest on a $5,000 balance with $200 monthly payments.


Tip of the Day: Negative entries on your credit report typically fall-off after 7 years. But let's say you are 5 years past due on a debt, and you get a call from a collection agency or otherwise decide to pay toward that debt, unless you pay it off in full or if you get the collector to report the partial payment as paid in full and remove the debt from your report, you'll restart the debt clock. In other words, instead of only have 2 more years to go until the debt naturally falls off your credit report, your payment will restart the clock to zero and you'll have yet another 7 years until the debt expires. If you have an old debt on your credit report that is about to naturally be removed due to the debt statute of limitations, either be prepared to quickly pay if off in full or simply ignore it.

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