Archive | Finacial Help

Why Pawn Shops Are Bad News: High-Cost Credit in Disguise

With banks practically shutting their doors on consumers with bad credit, pawn shops have become such hot items these days; as increasing number of desperate borrowers seem to flock in that direction. Unlike those bygone movies, pawn shops are not just lurking in the shadows; they are actually beckoning from the shadows – an enticing [...]

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Can I Get a Free Credit Report When I’ve Been Turned Down for Credit?

You may never know that you have a bad credit score, until you try to get a loan. Then, all of a sudden, that house you’ve been saving for is way out of reach, because you can’t get approved for a mortgage. Who knew that credit card you had in college could ruin your dreams, [...]

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Using Your Credit Cards Responsibly: How to Take Charge and Not Bury Yourself in Debt!

Credit cards are used as the more convenient “universal” payment method in most transactions these days. Most of the time, consumers prefer the plastic payment option as opposed to toting cash around. Online/Internet transactions or purchases require credit card payments; as they are deemed a quicker and more expedient mode of payment, compared to cash [...]

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What to Do If You Lose Your Credit Card – Nip in the Bud Any Potential Damage

Very few would argue against the fact that credit card is one of the most convenient utilities in today’s fast-paced world; especially for those who travel a lot or are always moving and on-the-go. It is not surprising therefore, that credit card also ranks high on the list of things you’d hate to lose – [...]

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Should I Check My Credit Report Often?

There are so many reasons to pore over your credit report, that many people become obsessed with their credit scores. Paranoia over identity theft is very common in this cyber-age, and rightfully so. In addition, the rocky employment statistics and volatile economy have people scrutinizing their credit reports on sometimes a monthly basis. This begs [...]

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Payday Loans Are Bad News – How This “Last Resort” Can Drag You Down

So you’re strapped for cash…the next paycheck is still a week away but you already have a notice from the electric company that today is your last chance to settle your bill; and you stand to spend the night in darkness and cold if you don’t come up with the money. Is there any other [...]

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Using a Credit Card to Rebuild Your Credit Score – Rising from the Rubbles of Bad Credit

Are you trying to get rid of negative information in your credit report/history? There could be a gazillion reasons for your predicament – bad economy, health issues, lack of knowledge or awareness, or plain negligence. The fact is, regardless of the circumstances that brought you there; the equation still looks this way: bad credit report/history [...]

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Know the Difference Between a Credit Report and a Credit Score

Your credit score is subject to study by just about everyone. It’s not just banks and car dealerships that are interested in your credit rating. Sure, they’re about to lend you money, so you expect them to make inquiries. But others, from potential landlords to potential employers, also scrutinize your credit report. They want to [...]

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CreditReport.com Review: Your Best Ally in Keeping an Eye on Your Credit Report

You’ve probably heard so much about credit report that you think you already know all there is to know and you don’t need any more info to choose the right company to help you handle this aspect of your financial life – or you may even think you don’t need any help at all as [...]

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Checking Your Credit Too Often is Bad?

The world seems to revolve around credit, and so does advertising. The ads for free credit reports are evident at every turn, urging us to keep track of our credit score and do something about it. But, did you know that frequent inquiries on your credit score can actually damage it? Who Checks Your Credit [...]

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