With Things So Bad In The Economy…
…why is this happening: You know what I got in the mail yesterday? An offer from my credit card company, for a $50,000 unsecured personal loan. Did you catch that? Unsecured. That amount of money would require me to make the equivalent of another mortgage payment to repay them. That offer came as a result of our credit rating, and we would [more...]
Date: 2008-09-30 15:47:13
Blog posts
(90)
|
Videos
(51)
Great Option for a Business Cash Advance
Needing additional capital for your business? Well, I have found another site wherein you can avail of an Unsecured Small Business Loans to help fund ... months, you have accepted credit cards as a payment option, and that your business transacts at least ... . This is an advantage they offer compared to bad credit business loans which usually takes [more...]
Date: 2008-08-31 03:53:00
How to find what you require in the matter of funds
Increasing crowds of residents are objecting the deficiency of loan opportunities above all since the credit crunch took over. However there are these days a number of products available like bad credit credit cards , payday advance, unsecured loans bad credit. This is brilliant news for the persons who have been rejected by standard financial institutions. These days larger numbers of people have the chance to receive funds when they require it the most! [more...]
Date: 2009-09-22 03:38:03
Is A Loan Always A Loan
Author : Melissa Kellett It may sound rather silly to many a reader We're not trying to fool anybody here We're simply changing the angle from which you look at things By changing the conditions, the guidelines and even by assuming the absurd, you find some very interesting ideas and discover untapped aspects of something that mainstream thinking would never even dream of The Benefit Of Using Lateral Thinking What Edward De Bono calls "Lateral Thinking" brings about a different way of [more...]
Date: 2009-09-26 07:31:07
Credit Cards After Bankruptcy: Is It Feasible?
Getting any kind of finance after going through a bankruptcy process is not an easy task. When it comes to credit cards, given that they constitute an open line of credit, there are even less chances of getting approved since the lender has little control on the repayment process and thus, the risk is greater. Yet, it is possible to obtain a credit card after bankruptcy under certain circumstances. One of the things that need to be made clear is how long after bankruptcy you are applying. [more...]
Date: 2009-09-26 20:20:28
Credit Cards After Bankruptcy Is It Feasible
Author : Melissa Kellett Getting any kind of finance after going through a bankruptcy process is not an easy task When it comes to credit cards, given that they constitute an open line of credit, there are even less chances of getting approved since the lender has little control on the repayment process and thus, the risk is greater Yet, it is possible to obtain a credit card after bankruptcy under certain circumstances One of the things that need to be made clear is how long after bankruptcy [more...]
Date: 2009-09-26 07:31:07
Best Way To Improve Your Credit Score After Bankruptcy
by Jack Bronson The attitude towards bankruptcy is changing gradually today. As more and more people go for bankruptcy filings, it is no more looked at as something negative. When the debtor is unable to pay back his or her loans they go for bankruptcy filing. This is basically telling the court that he or she does not have any resources to payback one?s debts. Both individuals and companies are allowed to file bankruptcy in the federal court. [more...]
Date: 2009-09-25 14:16:12
FSA introduces latest measures to protect PPI consumers
The Financial Services Authority (FSA) has revealed a package of measures to protect consumers in the Payment Protection Insurance (PPI) market and ensure they are better treated when buying PPI or complaining about it. Single premium PPI products have long been controversial, particularly with consumer watchdogs who claim that the policies are misleadingly front-loaded, accrue outrageous interest, and have strict pay-out terms and conditions. [more...]
Date: 2009-09-30 13:40:06
Bankruptcy Repair ? The Only Sure Way To Improve Credit Score
by Jack Bronson Bankruptcy has become something common these days. In has become a day to day happening as the fact is now understood by all. It is just a situation in which the debtor is unable to pay back the loan money to the creditor. Everything has become very simple. All that has to be done is to file bankruptcy in the federal court. Anyone, both creditor and the debtor, can do this. The creditor can demand more money from the debtor if he / she files bankruptcy first. [more...]
Date: 2009-09-25 15:07:29
Filing for Bankruptcy Chapter 13
A lot of people end up looking at bankruptcy chapter 13 when they get into financial difficulties out of which they simple can’t find a way out. Most of them choose to file a bankruptcy chapter 13 where the court will take your entire claimed debts and find you a plan for repayment that matches with what you can actually afford. If you are on the verge of bankruptcy, you should first explore the various bankruptcy alternatives available. [more...]
Date: 2009-09-29 13:17:05
Credit Card Debt Consolidation Loans for a Reduced Interest Rate
Amazon.de Widgets Credit Card Debt Consolidation Loans for a Reduced Interest RateIt is without a shadow of a doubt that most people would like to reduce their debt burden to as small an amount as possible. Credit cards unfortunately have this friendly usability factor that sucks us all in and generally, we all end up with a high credit card debt very, very quickly.The problem is that these debts are difficult to manage well, especially if you are working on a budget. [more...]
Date: 2009-09-22 15:10:33
Credit Card Debt Consolidation Loans will Get You out of Debt Effectively
Amazon.de Widgets Credit card debt consolidation loans will help you to regain control of your debt and avoid filing for bankruptcy. However, you must first look at ways of lowering your debt through negotiating with your creditors. If you, like so many others, are finding that the pressure caused by increasing credit card debt is pushing you towards considering filing for bankruptcy it is probably time for you to start thinking about the damage such a move would cause you.Instead, start looking [more...]
Date: 2009-09-25 15:17:26
Things To Remember In Choosing A Credit Card
by Eric Jilson If you have a low credit rating, you will most likely not be offered an unsecured low interest credit card. This requires faith on the part of the credit card company that you will repay your debts on time. People with good credit are able to get these cards because their credit history shows that they have been capable of paying on time in the past. If you have good credit and plan to continue making timely payments, then you will probably qualify for these low-interest credit cards. [more...]
Date: 2009-09-28 09:44:37
Numerous Further Alternatives Also Unsecured Credit Cards For People With Bad Credit
Goto commentsLeave a comment In this modern era, a credit card has suit an important part of individual life. As a matter o fact, we can identify that such credit card has become a lifestyle of nearly all people in all over the world. However, due to the unwise or reckless spending habits in using the card, countless numbers of people have go down into a deep credit card debt that definitely cause them to have bad credit ratings. [more...]
Date: 2009-09-22 00:21:53
Explore the Best Bankruptcy Alternative First Before Filing
If you find yourself mired in a situation where you can not pay your obligations anymore, then the first thing that you might consider is to file for bankruptcy. It is true that filing for Chapter 7 or Chapter 13 bankruptcy is one of your options to solve your financial problems. However, you have to take note that bankruptcy has long term effects on your financial standing. So you have to seek the most suitable bankruptcy alternative before you decide to file. There are lots of alternatives [more...]
Date: 2009-09-24 22:02:35
Short Term Bad Credit Loans
If you have a steady monthly income then you can get approval for a payday loan. Payday lenders are not concerned about your credit score or rating, they only look at your monthly income. This means that you can get approval for a short term loan even if you have a terrible credit rating. These loans can often be processed and approved within 24 hours of your application. Your money is usually deposited directly into your bank account once the application has gone through. [more...]
Date: 2009-09-25 03:51:01
Beating Credit Card Debt Collectors at Their Own Game
September 30, 2009 | By Matthew Highlander In Finance | by Matthew HighlanderConsumer debt collectors! Credit Card debt collectors! There ought to be a law against them! Fortunately, there is a law, and educated consumers have learned how to use it to fend off these debt collectors by making their job difficult.Time is money for a credit card debt collector, who is in the business of collecting unsecured consumer debt, most of which happens to be credit card debt. [more...]
Date: 2009-09-30 20:24:54
Bad Credit Debt Consolidation Loans for consolidate all your credit card debt
Amazon.de Widgets Are you having problems with your debts lately? Have all your lenders been chasing you because of your late payments and past-due accounts? Has your bad record been keeping you up all night because you feel like you cannot move on anymore? Here is your best solution- credit card debt consolidation services .Money management is not everyone’s cup of tea. Irresponsible use of credit cards, poor financial habits, and bankruptcy often lead to financial breakdown. [more...]
Date: 2009-09-23 06:13:27
Moody's Cuts WaMu Senior Debt to Junk; Bank May Sell Branches, Deposits
Washington Mutual, which has long looked wobbly, is moving beyond the point where it can survive in its current form (cynics might say in any form) ... projected a $4.5 billion third-quarter increase in reserves for bad loans but said it has more than enough capital. Moody's cut the Seattle-based thrift's senior unsecured debt rating two notches [more...]
Date: 2008-09-12 12:32:17
Where Any Sale Is A Prized Event
The Associated Press reports on Florida. “Al Ray is so strapped for cash, the only time he eats out is on Wednesday or Sunday, ... $250,000 a year and had an impeccable credit history.” “Then he lost his job. Provost missed one $10,500 ... condominium market. Nearly 400 condo owners have defaulted on loans since the beginning of the year [more...]
Date: 2008-09-23 13:38:07
Can Debt Consolidation Make My Financial Position Worse?
Debt consolidation is one of the best ways of reducing debt. Your monthly payments become much lower and this will give you more disposable income. Unfortunately, debt consolidation can also make your position much worse. The reason debt consolidation can be bad is you. You, and your bad financial habits. That is how you got into debt in the first place. Lack of financial discipline If you take out a debt consolidation loan you have given your finance s some breathing space. [more...]
Date: 2009-09-29 11:16:03
Secured Credit Cards: A Chance to Rebuild Credit
If you have a low credit score, you’re probably anxious to bring it up, and fast. The trouble is, it can be hard to get approved for a credit card when you have less than perfect credit. And filling out too many applications can make your score drop even more. But there is good news. Secured credit cards provide a chance for you to rebuild credit and get back in the game. Here’s how. Apply for a Card The first step toward rebuilding credit is to apply for a secured credit card. [more...]
Date: 2009-09-23 23:36:07
How Bankruptcy Affects Your Financial Reputation
Your credit report is an official record of how you’ve used and managed credit (borrowed money) in the past. Every time you apply for a loan, lenders examine your report or credit score to assess your “financial reputation.” That’s really what the information in your credit file is – a listing of your financial history and an inference of how you will repay future debt. Bankruptcy severely damages your financial reputation. [more...]
Date: 2009-09-25 12:00:00
10 SureFire Ways To Get a Credit Card When You Have Bad Credit
In today’s economic climate, it’s become nearly impossible to find a credit card issuer willing to cater to people with bad credit. Among the few financial institutions that do offer bad credit cards, many have tightened their qualification guidelines for approval. Although it’s easy to qualify for department store or gasoline credit cards when you have bad credit, a secured credit card is still one of the best ways to rebuild your credit. [more...]
Date: 2009-09-25 21:32:38
AEI Subprime IV.3: Roubini Presentation
Here is Housing Doom’s third installment of our unauthorized annotated transcript of the American Enterprise Institute’s September 30, 2008 seminar " ... in terms of output contraction are not going to be as bad as the Great Depression because ... there much more generalized asset bubble and credit bubble in the economy. It was subprime, it was near [more...]
Date: 2008-11-17 07:01:46
Reduce Your Interest Rate With A Credit Card Debt Consolidation Loan
Amazon.de Widgets Credit Card Debt Consolidation Loans are the perfect solution to manage credit card debts properly. These loans will not only provide a manageable single loan but will reduce greatly the amount you repay each month because of the lower interest rates often applied to loans.It is without a shadow of a doubt that most people would like to reduce their debt burden to as small an amount as possible. [more...]
Date: 2009-09-29 11:54:49
Emotional, financial and legal advice on surviving redundancy
Keep calm Remember you're not alone Redundancy can be a devastating, sometimes brutal, experience but it's not your fault ... the credit crunch in your own backyard," says Phillip Hodson, a fellow of the British Association ... way as due to the western economic cycle, the bastard in charge of hiring and firing, or bad luck [more...]
Date: 2009-01-08 14:45:20
Beating Credit Card Debt Collectors at Their Own Game
Beating Credit Card Debt Collectors at Their Own Game by Matthew HighlanderConsumer debt collectors! Credit Card debt collectors! There ought to be a law against them! Fortunately, there is a law, and educated consumers have learned how to use it to fend off these debt collectors by making their job difficult.Time is money for a credit card debt collector, who is in the business of collecting unsecured consumer debt, most of which happens to be credit card debt. [more...]
Date: 2009-09-22 14:31:57
Credit Bankruptcy - Essential Information
Someone once said that bankruptcy is essential in order for capitalism to survive ... if they know that this action will remain on their credit record for a long period of time. Even from the beginning, debtors ... (if not all) of the debt is forgiven. Are there any disadvantages? First of all, each future credit check [more...]
Date: 2009-01-16 00:24:18
Not Ready Yet to End Our Addiction to Growth
The value of public companies listed on stock markets has dropped by about a third in the past year. This means that shareholders believe that this group of companies, which are an important but not dominant factor in the global economy (the public sector, notably health and education, and privately-owned enterprises, [more...]
Date: 2008-10-14 02:37:26
2009 Predictions
Every year I say “I’m not going to write one of those damned prediction posts” but I end up doing just that ... the balance monthly, so simply put, revolving unsecured credit is a profitable business ... seen a generational shift in politics and that has many consequences, some good and some bad [more...]
Date: 2008-12-31 19:33:32
Unsecured Debt Consolidation Loans - What You Should Know
Unsecured loans can be the answer for anybody who is having issues managing their finances and does not have anything to offer as security for the ... on credit cards, store accounts, plus car loans, etc that they are paying each month ... of interest than many of your other loans. Credit cards and store cards usually have high interest [more...]
Date: 2008-12-27 06:03:29
Secured Holiday Loans: Especially for Hassle-Free Holidays
Holiday-it means a break from our repetitive routine and getting chance to explore the world with joy and joviality ... , for holidaying you have to look for various options. Though credit card is a good alternative ... of your property, like your home, car etc, which will be used as collateral. With secured holiday loans [more...]
Date: 2009-01-16 16:44:37
Debt Reduction Is the Best Way to Being Debt-Free
Ajeet Khurana asked: No matter how deep in debt you are, there is always a way to get rid of that burden ... settlements are only applicable to unsecured debts such as those concerning credit cards and medical ... , it will be the job of your creditor to let the credit bureaus know that you have been able to settle [more...]
Date: 2009-01-08 06:17:10
Use the Plastic to Repair Your Credit Rating
People are always looking for the shortest path to solve their personal finance problems ... and knowledge play important roles. Repair your credit rating, get out of debt Poor or below average ... yourself from getting scammed As secured credit cards application are having lower qualifying [more...]
Date: 2008-09-24 09:31:39
Highlights of the J.P. Morgan-WaMu Analyst Conference Call
Hurried, last-minute conference calls are becoming something like performance art these days ... will raise $8 billion of capital, which is probably necessary to offset the effect of some of WaMu’s bad loans. “We are very confident we can get that done. It will probably be offered in the morning [more...]
Date: 2008-09-26 14:41:19
Secured Bad Credit Loans Make Sense
Secured bad credit loans were seen with a bit of contempt in times gone by. Now they make complete sense, and we should be glad ... by means of a secured bad credit loan. Now new lending sources are springing up which consider ... speak for themselves. The much higher rates of interest payable on credit cards, auto and retail [more...]
Date: 2009-01-17 00:00:02
Bad Credit Debt Consolidation – One Payment Each Month
Going through bad credit debt consolidation can greatly help you save money in the long run. By putting all your unsecured debt into one payment each month you will find that you will pay an interest rate that is lower than all your combined debts. There is a strong possibility that one of your lines of credit will have a lower interest rate but when you do the math and add up all the interest rates you have you will find that by consolidating you will have a lower rate. [more...]
Date: 2009-09-25 19:18:06
Bad Credit Unsecured Personal Loans – Credit Score Repair Helps
Bad credit unsecured personal loans can greatly assist you in making ends meet financially. The one thing that most borrowers worry about when it comes to personal loans is the interest rate. To lower your interest rate credit score repair greatly helps. It is very surprising how many borrowers attempt to get a personal loan without even knowing their credit score. [more...]
Date: 2009-09-29 22:33:44
Best of Finance for the Best of Education
Best of Finance for the Best of Education Posted By Mary Bush on @ 1:40 pm by Mary Bush To forge ahead and have a bright career prospect, ... , the programs also accommodate students with a history of bad credit, so that they too can take care ... it in to secured and unsecured form. Secured form of the funds offers a bigger amount [more...]
Date: 2008-12-30 08:10:38
Sub-prime Crisis: What is it all about?
Sub-prime crisis is the current financial crisis (considered as the worst ever since World War II) ... loans market refers to individuals with very good or excellent credit records or ratings and to whom ... characterized by acute credit crunch in the global capital markets. This liquidity crunch [more...]
Date: 2008-10-22 18:38:00
Student Loan Consolidation May Be The Answer To Your Debt Burden
Student loan consolidation may be the answer to your heavy debt burden and the many issues that come with having to make several loan payments every month. Student loans just like the other forms of financial aid are a service that is subject ... dropping below half-time enrollment. With this, the loans remain delinquent for 270 days or become [more...]
Date: 2009-01-17 09:03:38
Credit Card Offers For People With Bad Credit Or Poor Credit History
Updated List Of The Best Secured and Unsecured Bad Credit Cards For Credit Improvement Credit card usage is a fact of life whether you agree with ... has morphed into a mish mash variety of credit card rewards, airline credit card miles, and balance ... room reservations to car rental bookings. Credit card numbers are also necessary for frequent [more...]
Date: 2008-11-20 18:01:07
Orchard Bank Credit Card
by Daniel Moskel The Orchard Bank MasterCard is created for individuals with a damaged credit report. This card is issued by HSBC Bank ... they offer. These cards include three unsecured cards and one secured card. Your score depends upon ... line of credit. If you have made many mistakes then you will likely be issued the secured card [more...]
Date: 2009-01-17 14:32:58
Debt Fraud is Real: What you Should Know
Recent statistics have shown that millions of consumers are affected by debt fraud each year, ... the identity of the debt collection agency. They do not consider the possibility that the whole thing ... even deeper in debt. Credit elimination experts indicate to consumers potential ways they could [more...]
Date: 2009-01-16 00:24:21
Personal Loans For A Real Estate Down Payment
With the down payment presenting the largest difficulty for most people want to buy right now, ... out there, as well as personal lines of credit and even credit cards. Not all of these are a possibility ... unsecured, the interest rate is higher than real estate loans, and the repayment period is shorter [more...]
Date: 2008-09-09 14:01:00
Bankruptcy Reform Caused More Foreclosures
This research is from the NY Fed. It finds that bankruptcy reform shifted default risk from credit card lenders to mortgage lenders and in doing so ... just about falling home prices, bad mortgage decisions, and weak economic conditions? No and no. Indeed, we would ... in subprime foreclosures by shifting risk from credit card lenders to mortgage [more...]
Date: 2008-12-12 22:43:00
Debt Management : To Manage Your All Debts
No doubt, debt effect sometime becomes very awful. It can increase your debt burden, affect your monthly budget and so on ... can be able to eliminate 100% of their credit card debts. Many agencies provide debt elimination services ... mortgage, remortgage, credit cards, home equity and through debt settlement. •Debt negotiation: Debt [more...]
Date: 2009-01-17 07:57:21
Orchard Bank Card
by Daniel Moskel The Orchard Bank MasterCard is created for individuals with a damaged credit report. This card is issued by HSBC Bank. This card has a unique application process. When you apply they will match your credit score ... you will have monthly payments. Your APR will be between 8.9% and 14.9%. This is lower than most bad credit [more...]
Date: 2009-01-16 07:42:43
Lending Club P2P: Review of New Post-SEC Changes, Free $25 Lender Bonus
Now that LendingClub has finished their SEC filing and is one of the only P2P lenders currently operating ( ... you get. Then you can simply compare this rate with your other options - credit cards, home equity loans ... conditions, remember that credit cards can only guarantee 6-12 months of a low rate, and home equity loans [more...]
Date: 2008-12-14 14:30:58
