Bad credit secured loans aim to allow you to erase your credit history and start anew.
Is there such a thing as a cheap, secured, low rate loan?
How do you go about comparing personal loans? Are they all much the same, aside from the interest rate? Or is there more to the loan comparison than that?
Need a personal loan and need it quickly? Two types of personal loans are secured and unsecured, or quick personal loans.
There are a variety of reasons why you may be considering debt consolidation. With the average American carrying at least some credit card debt, and often possessing up to eight credit cards in his or her wallet, it is easy to understand how credit card debt has grown out of control.
I have never been good at numbers. And to top off my inability to understand basic arithmetic, I have a horrible relationship with money. I relied way too heavily on credit cards after college and I have paid way too many fees for being behind on payments or late with arrangements made. This wasn’t by choice, mind you. It was a combination of making a few bad decisions and, simultaneously being thrown a few curves balls that set us back quite a bit. After two years of being in complete survival mode we are finally on the road to better times (we have actually managed to become artists with a steady paycheck and 401k plan! Imagine that!).
Once upon a time, it was only large companies that accessed your credit report, most of the populace was unaware that they could or should take a look and see what their credit score was. With the passage of new laws allowing all citizens of the United States one free credit report every year, times have changed, and people are more aware of what information they are giving to people without even knowing it.
Obtaining a copy of your credit report is the first step in gaining control over how your credit will affect your life. In the past, everyone had to pay for a copy of her or his own credit report. Recent amendments to the Fair Credit Reporting Act, the FCRA, have now made it possible for every citizen to have a copy of her or his credit report sent free of charge every twelve months. This amendment goes into full effect September 1, 2005, but may be in affect in your state even earlier.