Credit Report Fact!

You are entitled by law to get one free copy of your credit report per year!

Do You Have A Bad Credit Score?

If your credit score is at or below 600, then you are considered as having a bad credit score!

Want To Start Your Own Business But Are Having Trouble Finding Funding?

Here is an excerpt:


Bad Credit Small Business Startup Loans : Poor Credit Can’t Stop the Entrepreneur in you

If you want to start a small business but are not able to do so due to lack of finances, go for bad credit small business startup loans. With the help of bad credit small business startup loans you can start your own small business. Bad credit small business startup loans are basically of two types secured and unsecured.

ABOUT BAD CREDIT SMALL BUSINESS STARTUP LOANS

Bad credit small business startup loans are for those people who are suffering from bad credit status and want to start their own small business. A person can be tagged as a bad creditor due to various reasons like arrears, defaults, IVA, CCJ, bankruptcy, late payments etc. Bad credit small business startup loans can be availed by all such persons.

Bad credit small business startup loans are basically of two types, secured and unsecured. To avail a secured bad credit small business startup loan you’ll have to place one of your properties as collateral against the loan amount. This can be any of your personal properties like home, car, bank balance or can be your commercial property. On the other hand you don’t have to place any security to avail an unsecured small business startup loan, but the interest rate is slightly higher compared to secured loan. With secured bad credit small business startup loans you can avail a varied amount with repayment duration ranging from 3 – 25 years. While with unsecured bad credit small business startup loans you can avail varying amounts for a period of 1 – 10 years. The interest rate of bad credit small business startup loans is slightly higher because they are advanced to bad creditors, but with good research you can find a lender with reasonable interest rate.

BAD CREDIT SMALL BUSINESS STARTUP LOANS

Bad credit small business startup loans are very beneficial for people who are suffering for bad credit status. With bad credit business startup loans you can start your own business and regain your position in the market. Also by regular payment of loan installments you can increase you credit score.

Bad credit small business startup loans offer flexible repayment options. If you want to avail a small amount you can opt for unsecured bad credit small business loan. On the other hand if you need a bigger amount go for the secured way.



HOW TO APPLY FOR A BAD CREDIT SMALL BUSINESS LOAN

You can apply for bad credit small business startup loans by visiting banks, financial institutions, lending firms personally or you can apply online also. To apply via Internet you just have to fill up an online application form giving details like the loan amount you wan to avail, period of loan etc. Applying online is hassle free, consumes less time and requires less paperwork.

College Students & Credit Card Debt!

Here is an interesting article about college students and credit card debt! As soon as I read it I knew that I would be posting it here!

If You Have A Credit Card Then You Shoud DEFINITELY READ This Online Article!

I found this article online and it is about some changes that are going to be happening to credit cards in the near future!

It's bad enough when one has managed to get themselves in to credit card debt and are looking for a way out but now these new changes might be affecting those who are paying their credit card bills on time!

While it has always been suggested that one read the fine print on their credit card applications, not a lot of people do so and they aren't aware of all the charges and fees that they may be subjected to!

There are so many interesting points in this article including information about the fees being charged for credit card cash advances! There are sometimes 2 fees associated with that! Although I'm sure that a lot of people are aware of this anyway because I see so many people at the ATM machines in places like the grocery store and gas stations getting a cash advance and I'm sure that while they may be aware of the fees associated with making such cash advances, I'm sure that they have a very good reason for making such cash withdrawals. They may need the money for some type of financial emergency or something. I believe that there is even one credit card company that is paying some users NOT to use their credit card and to return them!

The article also has some advice for consumers as well.

It is quite a long, interesting and informative article!

Big Credit Card Changes!

Beware Of Credit Scams!

The Basics - 5 credit-fix scams to avoid

Theres no magical way to fix your credit score. Beware fast-talking crooks selling shortcuts.

Thinking of paying someone else to clean up your credit file? Anything they can do, you can do better. And cheaper.

But it takes time and dedication.

If your report contains genuine errors (read: debts that have been on the report beyond the allowable time or debts that really aren't yours, not just debts you wish weren't yours), you can fix that yourself for free. And with a minimum of hassle.

source
Money Central - MSN

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I thought that this was a very good article to point out!

It seems that more and more ways are popping up offering to "help" people with their credit and sometimes people are in such a bad way that they will sometimes let themselves be easily scammed.

So be careful out there!

Got Bad Credit? - There's A Loophole!

Debtors with poor credit scores can take advantage of a loophole to rent credit lines from people with better credit history. Because spending money in order to borrow more money is exactly what most debtors need to do

You can read more about this in more detail by clicking here