Credit

Getting a Credit Card with a Bad Credit Rating

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Bad credit can happen to anyone. It does not mean that you are a bad person or that you are irresponsible. There are any number of reasons that you can find yourself with negative marks on your credit. Lenders, however, see bad credit as increased risk. You are far more likely to be rejected for [...]

Personal Loans Making a Comeback

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Following several years of very strict lending, several lenders and banks across the country have begun to open up their wallets and make it simpler for consumers to get approved for unsecured personal loans. According to SmartMoney.com, TD bank has reported a 6% increase in the amount of personal loans issued in 2011 while SunTrust Bank reports a 25% increase! In [...]

5 Ways to Fix Bad Credit

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If you have bad credit right now, you probably already know it’s no way to live. These days, bad credit doesn’t just influence your ability to get approved for credit cards and loans.  It also affects your insurance rate, whether you get approved for an apartment lease, and can even prevent you from getting a [...]

7 Simple Ways To Increase Your Credit Score

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There are so many scams out there that claim to be able to fix or repair your credit. Many of them will actually charge you an outrageous fee and pretend to wipe all negative information from your credit report. Finding and fixing problems with your credit is easier than it seems.

Eliminate Credit Card Debt By Avoiding These 4 Mistakes

Credit

This was an original post I did on credit card mistakes at ChristianPF.com.  I’ve adapted it a little for my site. We all make mistakes, it’s in our nature.  Sometimes we make them because we don’t know any better – other times we make them even though we do. Most of us have made pretty big flubs [...]

What Is Your Credit Card Payoff?

Credit

Credit Card Payoff Calculator Have you ever wondered what your credit card payoff would be?  In other words, how long will it take at your current rate and payment to payoff credit card debt!? Some of us probably don’t want to know because we don’t want to get depressed.  But it’s actually a good idea [...]

What is The Real Cost to Skipping Your Credit Card Payments?

Credit

Times are tough! Income is down, expenses are up and cash flow is tight. It’s very tempting to skip out on a debt payment or a credit card bill to help free up the cash flow a bit, but are you sure you realize the impact that decision will have on your credit score? The Spend [...]

How to Set Up a Financial Safety Net

Budgeting

Financial difficulties like recessions, job layoffs or reduced salaries have a way of revealing how important it is to build a financial safety net. Having funds available for emergencies helps weather the inevitable storms of life and can get you through some difficult circumstances without incurring credit card debt. Here are some things to consider when establishing [...]

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