By Stephanie Mojica
Most loans require a checking account, especially for those with bad credit. Even especially expensive loan programs such as cash advance loans against a future paycheck require a postdated check to be left with the lender. However, there are existing options for people who have either a savings account in lieu of a checking account, and even a few for those with no bank account at all. However,...
By Diana Monda Dill
Health care spending accounts are account-based health care products, which are specifically developed to provide consumers with a more affordable option for health care coverage, greater control of their health care dollars and more choice among health care providers. Health care spending accounts enable consumers to save money by offering lower premiums as well as federal tax advantages that...
By Stephanie Mojica
A good FICO (Fair Isaac Corporation) score is essential to receive the best loans and credit cards as well as competitive rates when borrowing money. It is an indicator, based on your Equifax, Experian or TransUnion credit report, of your responsibility level regarding credit. Now it is easier than ever to get the scores before applying for new credit. Open an online account at MyFICO, Experian, ...
By Nicole LaMarco
After filing bankruptcy your credit will take a big hit. Your credit score will go down to poor. Your credit report will show that you have filed bankruptcy and it will be incredibly difficult to get credit for anything for some time. If you do nothing, your credit score will remain poor. There are some steps you can take to speed up the process of getting your credit fixed after you have filed...
By Pam G.
You can make extra money in your free time, if you have any. You may need the money to pay for a specific item that you want, or for a one-time event like a honeymoon or a wedding. You can also make cash on the side when you are saving up for a big purchase including a car or for a down payment on a house. You can make paying monthly bills easier when you have extra money in your wallet and bank...
By Jessica
If your credit score is lower than average, it may be difficult to qualify for low rates on home mortgages, loans and credit cards. Fortunately, there are many things you can do to improve your credit score in 6 months or less. By paying all of your bills on time and reducing your overall debt, you will be on your way to a higher score. Six months is a reasonable time to improve your credit...
By Amy Brantley
Once you get bit by the housing bug, it's all you can think about. That doesn't mean you should rush out and buy the first home you see. In fact, there are some important things you should consider before even looking for your first home. The following tips are meant to help first time buyers make an educated decision when buying their first home. If you've watched certain TV shows,...
By Stephanie Mojica
Debt solutions networks, also known as credit counseling, are organizations that work with consumers to reduce their debt while still repaying their obligations. Many services can convince credit card companies to waive late and over-the-limit fees, reduce interest and even reduce their required minimum payments. For many struggling people, a debt solutions network can help them turn around their ...