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Personal Credit Tips
How do Issuers evaluate my Credit? Issuers determine credit worthiness by what are called the three C's of credit (capacity, character and collateral). Capacity refers to your ability to pay given your income and existing debt. Collateral refers to any assets you have that can secure payment (e.g. bank accounts, home ownership). Character refers to factors such as your payment history and length of employment. The criteria for accepting applicants vary between issuers and credit card products.

How do I evaluate my credit: You can get a very good idea by looking at your credit report(s). Three separate bureaus maintain a different snapshot of your financial history and provide copies of this report to creditors upon request. It is important to make sure information on these reports are accurate, especially if you have been turned down for credit and don't know why.

 

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TOP 10 Personal Credit Services:

1. Mortgage Refinance Loans While the low mortgage rates have kept renters packing the rates are expected to keep rising so now is the time to refinance or buy your new home. We strongly advise you to get into adjustable rate mortgage loan while rates are climbing.

2. Debt Consolidation Loans for homeowners and management for non-homeowners. Reduce your high interest bills and get a grip on the payments to creditors. No credit check is required for counseling services and there is no obligation.

3. Payday Loans are instant loans for people who are in the need for immediate cash without having to go into a local check cashing franchise.

4. Credit Cards with Bad Credit or no credit are available with our best offers and online applications.

5. Home Equity Loans from top lenders allowing you to compare the type of loan and broker who can give you the lowest interest and minimal fees.

6. Auto Loans comparison to find the lowest rate whether your vehicle is new or used. Also, prepare for summertime with boat and recreational vehicle loans.

7. Personal Loan online applications from $400 to $500,000, and more depending on your credit.

8. Bad Credit Loans for those who seek alternatives to prime lenders.

9. Credit Repair tips and services including legal disputes. The U.S. average credit score is 677. What is your Credit Score?

10. UK Credit Cards & UK Loan Tips including Online Banking services for residents of the United Kingom are now offered on Banklady. We also offer personal credit services for Canadian Residents.

 

Latest Rate Trends:

One thing to expect this year is rate hikes by the Federal Reserve and even credit card rates are starting to go up. Even some credit cards are being switched from fixed rates to variable.

A good reason to refinance now and get your rates locked in due to the recent bad news with mortgage rates climbing, which can be taken as good news due to a sign of a recovering economy.

Debt Consolidation & Planning

An alternative to conquer the burden of debt is our non-profit debt counseling team, where you do not have to have home ownership to consolidate, as you would with a loan. more on debt consolidation >>

Loans to pay off Taxes

Time to pay off your income taxes. We can help you with that personal loan to pay off your income tax. Also, remember to save on next years taxes by refinancing or buying a new home and writing off the interest from your closing or settlement statement. Prepaid interest, discount points, and origination fees, are just some of the deductions. more on tax time tips>>

Winter Home Improvement Loans to gear up for 2005

Ready for a swimming pool, hot tub deck install or kitchen makeover? The Bank Lady has home equity loans suited to meet your home improvement needs. What are the ways to obtain financing for home improvement? Royal Bank suggests using your credit card, personal loans, home equity refinancing, and more. Apply for your home equity line of credit today >>

Online Banking Grows

Almost half of all U.S. adult Internet users now manage their bank accounts online, making banking the fastest-growing online activity, according to a recent survey released from the Pew Internet and American Life Project. The survey says that Forty-four percent of U.S. Internet users bank online, up from 30 percent two years ago.

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Bad Credit Loans & Credit Cards
 
 
 

Need some extra cash until next payday?

It is easy to be strapped on cash with the holiday season upon us. If you have bad credit and need a high risk short term loan the Banklady is here to help with our Bad Credit Lenders! We offer credit tips on cleaning up your poor credit and loans to help you just make it to the next payday; apply for a quick payday loan. If you need $500 overnight in your bank account overnight or if you own a home and want to get some cash out of your home we can help with our top rated lenders providing you financial assistance for even bad credit.

Debt Consolidation Loans: Pay off Bills and Credit Card Debt

Are you drowning in debt? Our programs allow consumers to apply for Debt Assistance from unsecured lines of credit such as credit cards, utility bills, hospital, medical bills, and more. A Debt consolidation loan can help you Lower monthly payments up to 50% or more, Consolidate bills into one monthly payment, and Pay off credit card debt in half the time in some cases. Debt Management, non-profit Credit Counseling Services, and Credit Card Consolidation are just a few of the services offered. Learn how you can reduce your financial stress with a free debt analysis of how debt reduction management can help you. Free Debt Consolidation services help you to become free of high interest debt, freedom of having less harassing phone calls from creditors, and saving your credit rating. Start the New Year off with your creditors paid off and be on your way to debt free living.

Take out a loan on the equity of your home or refinance

We offer High Risk Home loans where you can apply for a bad credit loan and get four lenders or more competing for your business whether you are a first time homeowner needing a pre-qualification or just looking to refinance your current home. Apply for a fixed or adjustable 125 Home Equity Loan, Home Equity Line of credit, Home Improvement Loan, Cash Out Refinance, or low interest Mortgage Refinance today while the interest rates are still low. You may even read about ways to defend yourself against rising rates. Home Equity Loans can help you get some extra cash for a computer, RV, family vacation, or improvements on your home at a low interest rate. Our home loans are flexible meaning you can decide on a 10yr, 15 yr, 30yr loan term for a new home, lake or vacation home, condo, townhouse, mobile home, or that dream home you have always wanted.

Rebuild your credit with an unsecured and secured credit card

Credit cards are abused so much that banks now let you pre-pay your amount with a secured credit card. It is also called a prepaid card which works just like a debit card (ATM) from your bank with a "stored" amount of money. This lets you build or establish your credit then you can proceed to a guaranteed Unsecured Visa or MasterCard. We offer Centennial, Orchard Bank, First Premier Bank, and Household Bank for our bad credit card lenders. We also feature many new unsecured cards to help you fix or repair your bad credit with instant unsecured credit card approval and no security deposit.

Need to Repair Your Credit? We offer many ways to help you repair your credit. There are many options including obtaining a credit card, applying for a small loan, and debt consolidation. Furthermore, you may choose to use a credit repair agency to help get the marks off your credit as an alternative. This may result in legal actions or simple letters. A credit repair service may help clear up your credit report making your credit score higher.

Good Credit? We offer Low Interest Credit Cards with low APR with No Annual Fee and 0% balance transfer promotions. If you are looking for ways to save on high gas prices and learn ways to rack up travel miles check out our Frequent Flyer Miles Cards and Cashback Credit Cards from Chase featuring the Chase Perfect Card where you have freedom to choose gas stations, Discover Card, and new cards from Bank One (First USA). Compare the best rebate cards to those from Bank of America, Capital One No Hassle Rewards, Wells Fargo, Fleet, and more. Cash back credit cards are easy ways to make money while spending money. Once you find your hottest deal on a credit card offer then check out our comparison of lenders for home refinancing and learn how to save on getting the lowest interest rates possible.

Need to Refinance your Car? Bad Credit Auto Loans and our new guaranteed Auto loan search will help you get into a truck, motorcycle, boat, or auto with bad credit or even bankruptcy on your credit report. Submit an application for a auto refinance today and reduce interest on your current auto or personal loan. If you are buying a car you can search for a new or used auto loan before you have waste time at the dealership and be at their mercy (think about it).

Your Source for Bad Credit Problems

Personal Loans For People with Bad Credit. Granting personal loans for people with bad credit strikes many as a risky practice on the part of the lender. After all, a person with bad credit most likely has a history of late payments. What most people do not realize is that loans made to a person with bad credit most often require collateral in the form of a home. If the borrower defaults on the loan, the lender can sell the house to make up for the loss. Most bad credit personal loans are actually far riskier for the borrower. These loans usually come with extremely high interest rates and high monthly payments. If a person’s bad credit is directly related to his lack of income, making steep loan payments on time can be tremendously difficult. With a house on the line, getting too far behind on the loan can come at a very high cost.

Find Lenders who Approve Personal Loans for People with Bad Credit. Not every lender will simply give a loan to a person with bad credit. In fact, most banks, credit unions, and mortgage services will not even consider applications unless a person has above average credit. However, there are some direct lending services that will approve people with bad credit for high interest, personal loans.

"What do people use these bad credit loans for?" Most bad credit loan services are for people who want to purchase or refinance a house. There are also bad credit lenders that offer new and used car loans, as well. At the very least, a person with bad credit can receive a personal paycheck advance loan. Leveraged correctly, these loan funds can help a person to turn his or her financial status back in a positive direction. It is extremely important that people who are seeking out bad credit loans take the time to research their options and find out exactly what they will need to do to maintain on-time payments.

Do not forget to Bookmark this site for exciting new credit card offers and weekly added features on loans, bankruptcy, and financing.

  

Bad Credit Resources & Sitemap

Own a Business or work for a company that lets you track spending on a credit card? Apply for Business Credit Cards which let you rack up miles and rewards on purchases and keeps expenses track able for budgeting and tax purposes. Obtain information on prepaid credit cards and decide their benefits for your family vs. not having the convenience of plastic. While you are checking out loan offers from banks be sure and check out our Internet Banking where you can open up an online bank account with free checking and discover benefits of money markets versus traditional bank checking. Also, fill out our short application for a Home Loan from one of our online mortgage brokers and lock-in great low rates.

Learn more about loans and how to obtain financial assistance for bad credit. Also, check out our mortgage loan resource center where we answer questions for you to decide on the loan that is right for your family. You will find answers to common questions:

What is a Home Equity Line of Credit? Also referred to as a HELOC is a loan where you use your house as a collateral in securing cash to use for any purpose that you choose including paying off high interest debt, improvement cash for the home, and money for vacation or emergencies. The advantages of this loan are the interest and costs are lower than that of a cash advance loan and will even improve your credit once it is fully paid off. In most cases, home equity lines of credit are also tax-deductible, since they are loans secured by your home. Find out more about HELOC loans.

Did you know that Credit bureaus can only report bad credit information for up to seven years? Although, there are some exceptions. Bankruptcy information may be reported for 10 years, Information reported in response to an application for a job with a salary of more than $75,000 has no time limit, Information reported because of an application for more than $150,000 worth of credit or life insurance has no time limit, and Information about a lawsuit or an unpaid judgment against your credit can be reported for seven years or until the statute of limitations runs out, whichever is longer. What does this mean? Means you may need legal help to get yourself out of bad credit problems, or even want to consider credit counseling services to get your fico scores higher and be able to get a loan at a lower fixed rate.

Smart Credit News. Find out how you can save money when you fill up your car in our new monthly Smart Credit column.

Banklady.com Credit Library: Bad credit Basic, Reverse mortgage, Money Saving Gas tips, How to get out of debt?, How to Cut your grocery bill?, Should I Cosign a Loan?, Avoid defaulting student loan?, Mortgage Brokers vs. Companies, First time home loan process, Fix Credit, Auto Loan Information, Gas Station Savings, Balloon Mortgages, No Income Verification Loan, Keep good credit in the UK, Medical Bills, Should I buy or rent a home?, Loan Scams, How can I obtain a free credit report without paying a monthly fee?

 

 

 

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