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


Privacy and Security

  

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

    

             

  

  

Assistance Types

Other Grant Foundations

-Private grant foundations

-Grantors for the disabled

-Grantors for Veterans

-Educational grantors for women

-Non-traditional grantors

Bank Unclaimed Money

Unclaimed Money Search

Federal Unclaimed Money

Unclaimed Pension Search

  

   

   

    

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: Nonprofit credit counseling, unsecured debt consolidation or free debt settlement.

 

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

 

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

 

Mortgage Refinancing: 2nd mortgage loan 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.

  

Personal Loan: Short or long term personal loan.

  

Personal Finance: Create a personal budget, balance a checkbook, file bankruptcy and more.

 

Free Help: Personal finance newsletter, credit advice and tips.

 

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

                 

  

Online applications for 100% free government grants, gov loans, plus unclaimed money and property search.

   

Personal Loans up to $35,000
    
Pay Over Time
    
Safe & Secure Application

Approval In Minutes

  
   

    

   

Official Government Grant Site - Grants.gov

All discretionary grants offered by the 26 federal grant agencies can be found, plus you don't have to register with Grants.gov to find grant opportunities.

Once you are ready to apply for a grant, you will need to register. This registration approval process takes 3-5 business days.

   

Free Grant Opportunities Search

  • Search by keyword, Funding Opportunity Number (FON) or Catalog of Federal Domestic Assistance (CFDA) number.

  • Search by a variety of categories of funding activities.

  • Search from a list of agencies offering grant opportunities.

  • Search by more specific criteria such as: Funding Instrument Type, Eligibility or Sub-agency.

  • Search for Recovery Act Opportunities.

  

   

FREE Expense Logging Software

* Log and Itemize Expenses by Category

* Track Bill Payments and History

Certified to have No Viruses, No AdWare, No SpyWare

 

 

Newest Government Grant Opportunities ~ Click Here

 

Government Grant and Loan Facts:

Don't be scammed by ads; whether on radio, tv, or online, about free money from the government. The federal government does offer grants and loans, but the information you pay for may be misleading. Here are the facts:

 

The differences between grants and loans. Loans are obligations which must be repaid, and often with interest. A grant; however, does not require repayment, but there are extremely few grants available for individuals. Most grants are awarded to universities, researchers, cities, states, counties, and non-profit organizations. Loans are generally the best bet for individuals.

 

Grants for Personal Individual Use

As the economy continues to stagger, with high unemployment, rising living costs and mounting debt, consumers turn to the internet in search of free grants for personal individual use.

 

While individual grants such as Pell Grants for education are indeed available for personal education use, typically government grants are awarded to foundations and organizations, which then serve individuals.

 

But that doesn't mean that there will never be a broader range of free grants for individuals. As of the date of this article; however, there are not; for example, free grants for personal debt. To stay current with grant opportunities, individuals should frequently check for new programs.

 

In addition to government websites, there are also private foundations and website links that can assist in grant searches, in addition to submitting grant application proposals.

 

Meanwhile, if there is not yet available; or if you do not qualify, for a free grant you never have to pay back, there are still other options including state assistance programs. The best tip is to keep all your mind open to other solutions. Instead of focusing only on; for example, a free grant to pay bills, also look for assistance to help you meet other expenses (such as food or housing assistance), which would free-up money to pay debts.

  

Turn over every stone, be watchful of scams and; if you find a program which you may qualify for, consider having an experienced, professional company submit your application. For example, a lawyer that specializes in SSI disability may increase your chances of getting supplemental security income approval.

 

 

Tips:

Don't try to call the United States Department of Grants. There isn't one. Federal agencies may have different rules for who is eligible for grants and loans and how to apply.

 

To get an idea of all the federal grants available, browse the online Catalog of Federal Domestic Assistance. These listings are updated annually.

 

Be aware that grants require you to submit a proposal to the federal agency describing what you plan to do with the money. Even after submitting a proposal, it may be quite some time before the agency either approves or denies your request.

 

Grants also require you to fill out forms, generally on a quarterly basis, that tell how much money you have spent and what you have spent it on, as well as how you are progressing on the work you promised to do.

 

A better approach for most consumers is to visit GovBenefits.gov. You check off which categories you fit into (for example, veteran) and then answer a series of questions. GovBenefits will identify loans and sources of financial assistance for which you may be eligible and tell you how and where to apply. You may be surprised what you are eligible for- there are forms of assistance available for a variety of personal situations including disaster victims, farmers, or people with teaching experience.

 

Grant to go to college? Facts:

You can fill out an application for Federal Student Aid by visiting the Department of Education's website. You may be asked to provide information about your income and your family's income to determine your eligibility. Save report cards and transcripts in case you need to report your grades. Have a good idea of what schools you plan to apply to and what you want to study.

 

Visit GovLoans.gov to learn more about well-known programs such as Pell Grants, Work-Study, and Perkins and Stafford Loans.

 

The Department of Veterans Affairs website can tell you more about the "GI Bill" and other programs for veterans and their survivors and dependents.

 

GovLoans.gov also has information about Parent Loans for Undergraduate Students (PLUS). Eligible parents can borrow to pay the educational expenses of dependent undergraduate children who are enrolled in school at least part-time.

 

Beware of "scholarship scams." For example, be wary when you hear that your bank account number is needed to "hold" the scholarship. Be sure the scholarship is legitimate before giving out any personal information.

 

 

Grant to buy a home? Facts:

The Department of Housing and Urban Development (HUD) helps individuals by giving grants to non-profits and local governments, however HUD does not offer assistance directly to consumers. Visit or call the HUD office in your state to find out more.

 

Here are some HUD loans and other options to explore:

 

HUD's Federal Housing Administration (FHA) insures loans, allowing you to purchase a home for as little as 3% down. Anyone can apply, but there is a limit on the loan amount they will insure-this varies according to geographic area. You can also wrap the closing costs into your mortgage.

 

A foreclosed or "HUD Home" may have a lower asking price. Most HUD Homes are affordable for low to moderate income families.

 

Through the Department of Veterans Affairs, veterans and their families may be eligible for loans to buy a home.

 

The United States Department of Agriculture's Rural Housing Service insures loans for the purchase of homes in rural communities.

 

Fannie Mae has a website that can help you find a low cost mortgage and a lender that are right for you.

 

 

Grant to pay rent? Facts:

Visit HUD's website to learn about programs to assist you in renting a house or apartment. You can locate low-income housing, or apply for a Section 8 voucher that you can use to pay some or all of your rent.

 

The Rural Housing Service makes financing available to elderly, disabled, or low-income apartment residents in rural areas to ensure they are able to make rent payments.

 

 

Grant to start a business? Facts:

There are no grants for starting or expanding a business, but the Small Business Administration (SBA) has loans to help you start a business. You can also get all the forms you need online.

 

You can also visit a SBA Small Business Development Center for help with starting, financing, or expanding your business.

 

 

Government grant, unclaimed money and unclaimed property

As the saying goes: "Buyer Beware". If you see ads claiming you qualify to receive a "free grant" for education, to start a home business or to payoff unpaid bills but you must pay a processing or membership fee to obtain the information, be wary. Scam artists will claim your grant application is guaranteed to be accepted and approved, and you never have to repay the money. But the Federal Trade Commission (FTC) warns that these grant offers are often a scam. The grant isn't free, nor is it guaranteed, nor is a refund.

 

According to the FTC, some scam artists market "free grants" in classified ads and on the internet, as in the example ad below:

 

Example of Grant Scam Advertisement - courtesy of FTC

FREE GRANTS Never Repay acceptance guaranteed. Government and private sources $500 - $5,000. Education, home repairs, home purchase, business, non-profits. Phone live operators 9am-9pm. Monday-Saturday 1-800-###-####, ext. [###]

  

When you call their toll free phone number, here's an example of what happens:

 

A company representative asks non-threatening, simple questions to supposedly determine if you qualify to receive a grant. The representative then acts as if he/she is checking your eligibility, and then congratulates you as being eligible. But for you to get the grant information from them, they will charge you a processing fee. Although they will promise you that the grant is guaranteed or you can get your money back, the truth is far different.

 

They will tell you that the processing fee is for finding a grant source and sending you the appropriate application package in the mail. But you won't receive an application or a source. Instead they send you a list of agencies and foundations which you must write and request an application. In order to get your refund, you must apply to; and be rejected by, all these agencies within 90 days.

 

Most grantors don't award grants to individuals for personal needs. Generally grants are to serve mankind and communities as a whole, such as job expansion, training under-employed youth, preserving history, funding charities, art museums, or for researching medical issues. So, even if you're in a financial hardship, or you may be an unwed mother, a single parent, a minority, etc, you're not likely to get approved for a personal use grant. And you may as well forget about getting a refund from the grant "broker" because the conditions for a refund are nearly impossible, requiring you to apply at every grantor on the list they provided to you and be denied by each resource within 90 days. If even one resource doesn't reject you within the first 90 days, you won't get your refund, nor will you get it back if the rejections are past the 90 day requirement.

 

If you're thinking about applying for a grant, remember that the applications are available to you for free and that anyone who guarantees you a grant is likely to be interested in their own financial gain, not yours. If you think you may have been a victim of a grant scam, file a complaint with the FTC by visiting www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261.

 

Don't fall for grant scams. Use the free resources available to you at public libraries, on the internet, and at Credit Federal

 

With our resources, you can research and apply, 100% free for Government Grants with no fees. Plus you'll have unlimited access to Unclaimed Money which you can immediately claim with no credit card required.  Our links also include Educational Grants, and Grants for Disabled people, and even Veteran Grants. Search now for government assistance as well as individual grant foundations.

 

Search for government bailout grants and other government debt relief grants. If you're an individual, check for government grants to pay bills.

 

Free Grants for Personal Individual Use As the economy continues to stagger, with high unemployment, rising living costs and mounting debt, consumers turn to the internet in search of free grants for personal individual use.

 

 

NOTICE: This site provides Government Grant and Unclaimed Property links as a free public service and is not a grantor.  These government resources enable you to search and apply for grants and unclaimed property with absolutely no fees, no hidden charges, and no credit card required. For Gov Grant, Unclaimed Property or Private Grant Foundation questions or applications, contact the appropriate authority. Read our article, or select specific areas: Grant to go to college, Grant to buy a home, Grant to pay rent, and Grant to start a business.

  

 

Don't be a victim. Read our latest news about scams and fraud, and join our newsletter to receive alerts.


Personal Credit

 

Leaving personal credit reports unchecked is taking a risk. Credit reports can have mistakes that could be causing poor scores. Consumers expect their reports to be accurate, but many times they contain information that is incorrect. It could be as simple as showing mistakes like bills, that have not been paid or negative comments that are not true.

 

It is important to know what lenders, banks, and insurance companies see when they view your credit reports. Companies who screen job applicants may request them, and they may decide not to hire applicants, with negative information on their reports. Institutions issuing credit cards and loans, and insurance agencies will view reports, and interest rates or insurance premiums are usually determined on the basis of credit rating.

  

Credit files contain personal information from a variety of sources, and those who extended credit provide information on reports to the three major agencies. Keeping up with credit is easier due to computerized reports. It is easy for companies to do credit checks due to technology.

 

It is important to understand reports, especially if scores need rebuilding. Recognizing weak areas like paying bills late, missing payments, or using too much available credit can all have a negative effect on ratings. Being denied a loan or credit card is one indication that scores may be damaged, and getting credit may be hard.

 

Mortgage lenders are usually interested in how well their applicants repay loans, they like to make sure before approving an applicant, that they will get paid. Anyone thinking of buying a home should review all reports from the three major agencies. Even if there are some problem areas, errors or personal mistakes can be corrected so scores can be rebuilt over time. 

 

Anytime there is a problem paying debts, contact the lender and try to work out a revised payment schedule. Do not risk further problems from not making payments. This causes a problem when it is documented on reports and becomes part of the credit history.

 

There are some companies who may say they can wipe negative information off reports, but that will never happen if the information that was reported was true. Only incorrect information or errors that does not belong to the person can be removed. Any true information stays for a specific time. Reporting agencies make credit history available to those who have an interest in your credit worthiness.

  

Reports indicate payment history, amount of debt owed, the types of credit used, employment, and it helps companies decide if you are a credit risk. They can also include things like credit card accounts, loans, and bankruptcy filings. It is important to check them to make sure they do not list a stranger's information by mistake. It always helps to be informed about your current credit status.



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.
 

GovGrantsUSA.Org Review - Copyright 2000-Present Gov Grants USA. Org, All Rights Reserved.

What types of grants are available? Personal Grants, Education Grants, Business Grants, Health Care Grants and Housing Grants. With these types of grants you could purchase a new home, get a college scholarship, start a new business, pay for prescription medicine and use the funds for various other personal and business uses.

USA Government Grants Facts and Benefits: You can apply for as many grants as you want. Many people are not aware of this. For instance, you can get a $20,000 grant to fix your house, a $50,000 grant to start up a business and another grant to help pay your bills! Grants never have to be paid back. 

* No Credit Checks, No Collaterals and No Co-Signers.
* You can apply if you have Bad Credit or Bankruptcy.
* You do not have to repay anything to the Government.

If you are in need, out of work, working part time and income doesn't cover basic expenses, or are ill, all types of grants, loans and in-kind services are provided by the federal government and by private foundations. These funds are available on an emergency basis or long-term basis.

* Home Purchase
* Home Repair
* Mortgage Payments
* Rent
* School Supplies
* Real Estate Taxes
* Utility Bills 
* New Car
* Groceries
* Child Care/Day Care
* Fuel
* Legal Services
* Medical Bills
* Public Transportation
* General Living Expenses
* Housing Assistance
* Consumer Debt
* Lesson Payments
* Tutoring/Teaching
* Clothing ...and much more

Private Grant Foundations: Over 1000 Direct Links to Foundation Grants Websites giving away billions each year. Access these Grants instantly.

A foundation is a non-governmental, non-profit organization which has a fund or endowment that it uses to aid charitable, educational, religious or other agencies serving the public good. It makes grants primarily to other non-profit organizations.

Each foundation has its own specific priorities and interests which determines the types of programs it supports. These preferences, any program restrictions and requirements for applying will be included in the Foundation's guidelines. 


Christmas Credit Protection Tips - With Cards Preferred over Other Forms of Payment, it Pays to be Smart this Holiday Season

Safe Christmas Shopping Tips: As the holiday shopping season gets underway, a new poll by Visa USA finds that consumers prefer to pay with Visa more than ever before this holiday season.

Specifically, 45 percent of those polled cited their credit card or debit card as their preferred payment method at the holidays. These findings make general purpose payment cards, such as Visa, the number one payment option at the holidays, followed by cash (41 percent), checks (10 percent) and store cards (2 percent).

The consumer survey results are supported by actual Visa spending data. Total spending on Visa-branded cards for Black Friday (November 25th) topped $3.9 billion, a 13.9 percent increase over the same day in 2004 ($3.4 billion in 2004), according to the Visa USA SpendTrak Report, which provides real-time insight into consumer spending behavior during the holiday shopping season. Overall sales during the holiday season (October 31-November 25) increased to $82.7 billion, a 17 percent increase over the same period in 2004.

Today $15 out of every $100 spent by consumers in the United States is on a Visa-branded card.

In light of the tremendous popularity of Visa cards, Visa wants consumers to have a safe, convenient and enjoyable holiday shopping experience. In order to ensure that experience, we offer the following tips:

Tips for Consumers: Shop Safely/Beware of fraudsters. Whether you're shopping on the Internet or at the mall, Visa is working 24/7 to protect you from fraudsters. Since online shopping has increased as a convenient way to shop, use safeguards such as Verified by Visa and shop with merchants you know and trust. Also be aware of common fraud schemes, such as phishing (an e-mail scam in which fraudsters attempt to convince consumers to reveal personal information through official-looking, fake Web sites or in a reply e-mail), and remember that you are protected with Visa's zero liability policy, which ensures that consumers pay nothing - not a cent - in the event of any unauthorized purchases.

Watch out for checkout fees. Since consumers prefer to pay with plastic, Visa doesn't think they should be penalized at the checkout counter with extra fees. That is why Visa's rules prohibit charging checkout fees - fees on purchases made with credit or debit cards -- on cardholders paying with Visa-branded cards.

Know your rights. Checkout fees (also known as surcharges) are outlawed in 10 states (California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma, and Texas). Several other states across the U.S. regulate the practice. Check your receipts, and remember that you have the power over whether to pay such charges. The choice is in your hands.

Set a budget. Set a realistic budget for holiday spending and stick to it--adjusting where necessary to stay on track. Check out the "How Much Should I Spend?" calculator at practicalmoneyskills.com, which automatically calculates a personalized holiday spending budget for you based on your income. The "Holiday Gift Log" at practicalmoneyskills.com will help you to estimate and record actual gift expenses for each person on your list.

Check it twice. Always check sales receipts for the correct purchase amount before you sign them, and keep copies of your sales and ATM receipts. Always check your billing statement and verify the amounts of your purchases.

Dispute any errors. If you find a possible error on your billing statement, you have the right to file a dispute. Always be sure to put everything in writing -- including your account and transaction details. Notify your card Issuer of the dispute only if you cannot first resolve it directly with the merchant. The card Issuer will conduct an investigation of the purchase during which you are not required to pay the disputed amount.

"As consumers get out their shopping lists this holiday season, they know that Visa cards help them save time, earn rewards and reduce holiday hassle," said Rhonda Bentz, Vice President, Visa USA. "Instead of wasting valuable time fumbling with cash or writing checks, consumers are turning to Visa for the many advantages it offers over other forms of payment."



Long Term Care Health and Disability Insurance

Overview of Long Term Care, Home Health Care and Disability Insurance

Long Term Care Insurance can provide help in paying for a nursing facility or in-home care for a long term illness. 

Surprisingly, Long Term Care insurance (LTC) isn't popular with most Americans. This thinking; of course, has strained the finances of many families who unexpectedly have to care for loved ones.

Before buying a long term care policy, decide:

What Kind of Long Term Care Insurance Coverage You Need? Get the details of policies from an agent or online.

Which Long Term Care Insurance Company to Join? In addition to reviewing company history, BBB comments or complaints, also compare coverage and premiums.

Don't be a victim of free government money scams, such as grants and loans that you never pay back.
Catalog of Federal Domestic Assistance (CFDA) provides a full listing of all Federal programs available to State and local governments (including the District of Columbia); federally-recognized Indian tribal governments; Territories (and possessions) of the United States; domestic public, quasi- public, and private profit and nonprofit organizations and institutions; specialized groups; and individuals.
You have the same free right to Government Auction, Grant, Unclaimed Money and Seizure information as any other American or business, with no fee payment and no credit card required.
Free money search. How to claim abandoned property, and how to find unclaimed money. Also government grant application resources.
US Federal Government tackles Private Grant Scams. Get free access to legitimate grants and unclaimed money.
Even Bad Credit People can get Approved with Government Mortgage Loan Backing for Sub-Prime Applicants
How to access and bid on government surplus equipment and seized personal propery for auction.
A legit bad credit report repair company follows all government regulations, has a steady rebuilding plan
Your local post office offering government loans and bank checking a0ccounts for poor and bad credit people.
Government Loans
Is My Debt Too High? Individual and US Government Debt.
Federal government debt relief company rules to protect consumer rights.
Yes, Walmart cashes student loan checks. Walmart Expands Check, Card Cashing Services - Walmart announced expanded check cashing and card cashing services at stores nationwide, including the ability to cash payroll and eligible government benefits cards to the penny.
Free money search. How to claim abandoned property, and how to find unclaimed money. Also government grant application resources.
US Federal Government tackles Private Grant Scams. Get free access to legitimate grants and unclaimed money.

Copyright 2001-2014: CreditFederal.Com personal loan for bad credit, no credit check credit card, debt settlement negotiation, bill consolidation, mortgage & auto loans.