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Archive for: Credit & Debt

Is Debt Settlement Ever Worth It?

Is Debt Settlement Ever Worth It

Why debt settlement isn’t worth it. Companies that promise to end your debt problem for pennies on the dollar can cause more problems than they solve.

Debt-to-Income Ratio: The Little Number Your Bank Cares About (And You Should Too)

What Does Your Debt-to-Income Ratio Have to Do with Your Credit

When shopping for a mortgage, one of the things that lenders will look at is your debt-to-income ratio. If this ratio is too high, it may keep you from getting approved. Don’t take any chances — know your debt-to-income and take steps to keep it at a healthy level.

Auto Financing For Smart People: Tips For Saving On Your Car Loan

How to finance a car the smart way; auto financing tips.

Save money on auto financing by knowing your credit score and leveraging competing loan offers at the dealership. Put money down, keep the term as short as you can afford, and — of course — don’t buy more car than you can afford.

Behind On Bills? How To Catch Up

When Debt Payments Fall Behind, Take These Steps To Catch Up

It happens to the best of us: life gets crazy and you fall behind on bills. You don’t have to be a victim to your creditors. Here’s how to catch up to save your credit score (and your dollars).

Prepaid Bank Cards: Is There Ever A Good Reason To Use One?

Is There Ever A Time To Use A Prepaid Bank Card

Prepaid cards are helpful if you can’t get a checking account, but shouldn’t be a longterm solution.

Debt Collectors Can’t Call Your Cell: Know Your Rights When Dealing With Collection Agencies

How To Fight Back Against Debt Collectors, And Win

Debt collectors can be unlawful and abusive. But if you know your rights when dealing with debt collection agencies, you can keep them in their place.

Options For Overwhelming Debt: Consolidation, Management, Settlement And Bankruptcy

Debt Consolidation Vs. Debt Settlement Vs. Debt Management Which Is Better

What do you do when you’re unable to even make the minimum payments on your debt? You do have other options besides bankruptcy. Debt consolidation, debt management, and debt settlement are all viable options depending on your situation.

Snowball Vs Avalanche: Which Debt Payoff Method Is Best?

Snowball Vs Avalanche Which Debt Payoff Method Is Best

So you are ready to pay off debt, great! Now to decide which method you are going to use. The debt snowball or the debt avalanche? Here we talk about the difference between the two and give you a tool to decide which method is best for you.

How Upstart Gives Loans To Young Adults Without Credit Scores

Upstart provides personal loans -- no credit required.

Upstart provides personal loans, no credit required. Upstart is geared towards for college graduates with good jobs who can’t get approved for traditional loans or credit cards simply because they haven’t used credit long enough.

In Debt? No Savings? You May Still Be Able To Buy A House (Not That You Should)

No savings In debt You Can Still Buy A House

Crappy pay. Student loans. No savings. Think homeownership is out of reach? You might be wrong. Not that you should, but here’s how many millennials buy houses while still in debt.