23 Oct 14

Bankruptcy And Your Credit Score

Typically, a secured credit card will allow you a limit of $500 to $5,000, she says. Use the card carefully, paying it on time every month, to prove you’re able to handle it responsibly. “Keep the balance low and pay it in full,” she advises. “The worst thing you can do, though, is to just pay the minimum because it means you’re just back in debt again!” While members of the military can access lower-rate » read more.


Link Category: Secured Credit Cards



23 Oct 14

Will More Credit Cards Help Me Build Credit Faster?

If a credit card can help you build credit, then can having more cards help you build credit faster? It’s a question we’ve heard from a few people recently. A woman Ill call Lois reached out to us on Facebook. She says shes careful with her finances, and even though she has credit cards, she hasn’t been using them. I have no credit history, and havent used any credit cards till now. Id like to » read more.


Link Category: Secured Credit Cards



22 Oct 14

Timothy Coppinger, Ted Rowland charged by Federal Trade Commission in …

Between November 2012 and September 2013, online payday-loan companies controlled by Timothy Coppinger and Frampton Ted Rowland issued $28 million in payday loans to consumers and received $46.5 million in return. The Kansas City businessmen did not achieve those staggering profit margins honestly, according to a Federal Trade Commission lawsuit filed September 8 (and unsealed last Friday) against Coppinger, Rowland and the constellation of shell companies they use to shield themselves from the scrutiny of » read more.


Link Category: Payday Loans



22 Oct 14

Bankruptcy Consequences

You can obtain a secured card at many banks and credit unions. Beware of offers from companies promising to help you get a credit card despite your financial history. They may simply be scam artists, according to the National Consumers League. For more on safe ways to get cards, read Secured Credit Cards and Getting A Secured Credit Card. Make sure the card issuer will report your payments to a credit bureau, which is, after » read more.


Link Category: Secured Credit Cards



21 Oct 14

How to Rebuild Your Credit After Bankruptcy — Fast

Its about as popular as a root canal or a blown tire on the freeway. Yet like both of those dreaded occurrences, filing for bankruptcy is commonplace in modern America. In 2013 1,107,699 individuals and businesses in the US had to file for bankruptcy according to government data. While its pretty safe to say that not many of the folks who filed for Chapter 7 or Chapter 13 bankruptcy were eager to do it, its » read more.


Link Category: Secured Credit Cards



21 Oct 14

Build Your Credit Score

Getting your first credit card can be a challenge. Few banks will offer a credit card to someone without a credit history, so how do you build that history?  You’re not facing this problem alone.  About 50 million Americans don’t have a credit history. That can make it difficult to buy a car or a house or make any other major purchase you might be considering. You may even find it difficult to rent a » read more.


Link Category: Secured Credit Cards



20 Oct 14

Does it make sense to tap into home’s value?

You may be tempted to consolidate your credit card and other high-interest debt into a mortgage with much lower payments. The offers are widespread. But is this a wise financial decision? WHATS CHANGED? Todays debt consolidation mortgages are more conservative than those seen during the housing boom, when lenders allowed homeowners to refinance and cash out as much as 110 percent of the value of their homes. Lenders now require the homeowner to keep at » read more.


Link Category: Debt Consolidation



20 Oct 14

Innovative Advertisers Look Beyond Installs, Focuses on Conversions Using App …

BANGALORE, October 7, 2014 /PRNewswire/ – Throughout the last year, advertisers in mobile-led countries like China and India have made heavy investments in building and marketing apps. Now, marketers are gradually starting to look beyond installs by engaging users to improve the return on investment from their apps effectively. (Logo: http://photos.prnewswire.com/prnh/20140612/10100042-a ) Yintai.com, a leading online boutique operating in China, has an unremitting volume of app downloads. Yintai was quick to realise the need to » read more.


Link Category: Automobile Financial Services



20 Oct 14

Debt Consolidation Loans Aren’t For Everyone

Countless Americans are drowning in debt. According to the Federal Reserve as of July, outstanding consumer debt stood at $3.24 trillion with total outstanding revolving debt coming in at $880.5 billion. For people struggling to pay down their liabilities a debt consolidation loan may seem like a viable option. After all it enables you to make one payment instead of spreading it around each month. But buyer beware when going this route. Not all consolidation » read more.


Link Category: Debt Consolidation



19 Oct 14

Why Debt Consolidation Can Leave You Deeper in Debt

When youre struggling with debt, combining all of your debts into one easy-to-pay loan sounds pretty good. The idea is that youll reduce the overall interest you pay, and be hit with fewer late fees since youll only have one payment to remember. Theres just one problem. Debt consolidation can actually leave you deeper in debt. Consolidating debt often masks the real problem Most likely, the real problem isnt high interest rates or constantly having » read more.


Link Category: Debt Consolidation




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