Debt consolidation loans are typically just personal loans used to consolidate multiple debts into one easy to make payment. These are great when you have a whole bunch of payments to make to various creditors. It gets them off your back and allows you to work with just one lender. Just make sure you use it to pay off your debts as the lender isn’t going to look over your shoulder and make you prove you used the loan for that purpose.
Let’s Get Started! Credit is like a ladder. If you have good credit, it’s an easy ladder to climb. Bad credit, however, is like a ladder missing the first 10 rungs. This makes it difficult, if not impossible, to climb. Lesson #1 Once your credit is damaged it can be a very difficult thing to…
GET A FAIR CREDIT CREDIT CARD You’ve come along way! Enjoy the benefits of Fair Credit…but don’t stop here! Keep your credit growing and growing. Excellent credit is not that far in the distance if you remember to pay all your creditors on-time every month. Live well within your means and this will not be…
REMOVE NEGATIVE ITEMS FROM YOUR CREDIT REPORT Credit is a necessity. Whether it’s a mortgage, a car loan, or a credit card, good credit creates opportunities. Bad credit doesn’t. With today’s economic challenges, it is more important than ever to achieve and maintain a healthy credit score. For those with bad credit, increased interest rates…
GET A REAL CREDIT CARD Credit cards for bad credit are real honest to goodness credit cards. In other words, they extend you credit that is not collateralized. The credit limits are generally very low and the interest rates are very high. These cards do report to credit bureaus and are great for building credit…
Fixing your credit is not something you can do over night, but it is not an impossible mission. You can do this by yourself…you don’t need to hire a credit repair company to get the job done right. Like any large task you simply need to break it down into logical steps. By following our…
CREDIT SCORE AND IDENTITY THEFT PROTECTION Why spend all this time and effort repairing and improving your credit if you aren’t going to protect it? In addition, you need your credit score so you know where you stand and can monitor your progress. THE BOTTOM LINE…1 in 4 people have experienced identity theft breaches. Public…