Getting
The Best Deal on an Auto Loan
If you're about to apply for a car loan, there's something
you should know: Rates offered to you by different lenders
may vary not just a little, but a lot.
10 Credit Myths
As they say, "Knowledge is power." Many times people
either act on false information or fail to act because they
didn't know what could be done to their benefit.
Credit Matters- your
credit report
The good news is, not only can bad credit be improved, you
don't need a credit repair company to do it. You can be your
own debt doctor. There are all kinds of excellent, free education
campaigns that are dying to show you how
Understanding
Vehicle Financing
With prices averaging more than $20,000 for a new vehicle
and $9,500 for a four-year-old vehicle, most consumers need
financing or leasing to acquire a vehicle.
What To
Do If An Account Is Sent To Collections Once
your account is sent to an outside collection agency, you'll
have to deal with the agency - not the original creditor.
Bad Check Fees and Penalties
A check written with insufficient funds is a crime in every
state and the fees and penalties can run as high as $1500.
Additionally, it is estimated that U.S. banks earn more than
$5 billion a year in bounced check fees and penalties.
Weathering A Financial
Crisis
Whether it's losing a job, facing unexpected medical bills,
or a family member who needs help, handling a financial crisis
can be downright scary.
Credit 101: What You Didn't
Learn in College
If you're like many new college graduates, you probably don't
have a lot of cash, so it may be tempting to use your credit
card to finance these needs and wants. Before you give in
to the lure of instant gratification, take a minute to contemplate
your credit rating.
Credit Tips
for Newlyweds
Figuring out finances may not be romantic, but discussing
your views on money and your fiscal fitness before getting
married can save you and your spouse some unpleasant confrontations
down the road. |
Get
Credit Details Before Applying for a Home Equity Loan
- In spring, young thoughts may turn to love, but for many
homeowners, their thoughts turn to a room addition or a kitchen
renovation. And as low interest rates and rising real estate
prices help more homeowners build equity faster
Credit and Your Consumer
Rights
A good credit rating is very important. Businesses inspect
your credit history when they evaluate your applications for
credit, insurance, employment, and even leases.
Credit and Divorce
If you've recently been through a divorce - or are contemplating
one - you may want to look closely at issues involving credit.
Understanding the different kinds of credit accounts opened
during a marriage may help illuminate the potential benefits
- and pitfalls - of each.
Understanding
Your Credit Report
If you're in the market for a car loan, one of the first things
you should do is take a look at your credit report. This document
provides the data that goes into calculating your credit score;
your credit score, in turn, plays a huge role in determining
what interest rate lenders will charge on your loan and whether
you'll be able to get a loan to begin with.
Auto Service
Contracts
Buying a car? You also may be encouraged to buy an auto service
contract to help protect against unexpected, costly repairs.
While it may sound like a good idea, don't buy in until you
understand both the terms
Credit Repair: Self-Help
May Be Best
You see the advertisements in newspapers, on TV, and on the
Internet. You hear them on the radio. You get fliers in the
mail. You may even get calls from telemarketers offering credit
repair services
Ads Promising Debt Relief
May Be Offering Bankruptcy
Debt got you down? You're not alone. Consumer debt is at an
all-time high. What's more, record numbers of consumers-nearly
1.5 million in 2001-are filing for bankruptcy. |
