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Archive for: Credit & Debt

How To Apply For A Personal Loan From Lending Club Or Prosper

A Peer To Peer Lending Checklist

Personal loans can provide financing at lower rates than credit cards, but often have more detailed applications. Here’s what you need to have in order to apply for a personal loan.

Afraid Of Credit Cards? It’s Time To Reconsider — Why You Should ABSOLUTELY Get A Credit Card In Your 20s

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For the last decade, young adults have seen credit cards as something to avoid. But NOT using credit can be as perilous to your finances as abusing credit. Here’s why, and why every 20-something should eventually have a credit card.

Lending Club Review: Get A Loan Without A Bank, Or Lend Money To Others

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Lending Club is the largest peer-to-peer lending network where everyday investors can make loans to borrowers who can take out personal loans of up to $35,000 without going to the bank. Learn how social lending works at Lending Club.

When Mortgage Rates Are Low, It’s Always A Good Idea To Refinance, Right? Not Necessarily.

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Even when rates are low, refinancing your mortgage isn’t always the right choice. Here are some points to consider before you refinance.

How To Choose A Credit Card (Wisely)

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Most people only get a new credit card every few years. Learn how to comparison shop for credit cards and how to choose a credit card you’ll be happy with.

Why Is My Credit Score Different Depending Where I Look?

Which credit score - MoneyUnder30

When it comes to credit scores, there’s a lot going on behind the scenes. What you see on Credit Karma or your credit card statement probably isn’t the same thing a lender will look at when they pull your credit report. Here’s why — and what you can do about it.

For The Best Auto Loans Rates, 5 Reasons To Consider A Credit Union

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Credit unions often offer the best auto loan rates. Why you might want to stop by a local credit union before buying your next car.

Best Credit Cards For Young Adults

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Of the hundreds of credit cards out there, only a select few are worth having in your wallet—if you can qualify. Here are our picks for the best credit cards for young adults, taking into account young people’s often limited credit histories, which may make it more difficult for them to get approved.

When Good Credit Isn’t Enough: Why You Could Be Denied A Credit Card Despite Your Excellent Score

Why was your credit card application declined? The top reasons you weren't approved.

Responsible people with excellent credit scores are often shocked after applying for a new credit card … and getting rejected. It’s more common than you think, so it pays to learn why a good credit score may not be enough.

How To Get An Apartment When You Don’t Have A Credit History

How To Get An Apartment When You Don't Have A Credit History

Getting an apartment when you don’t have a credit history can be tricky. But remember: No credit isn’t the same as bad credit. Here are some ideas for convincing your new landlord that you are worth the risk.