How the interest rate environment affects peer to peer lending networks like Lending Club . Have you looked into peer to peer lending as a way to borrow money? I wrote about it in my article on how to get a personal loan as one alternative way of giving yourself that extra liquidity. It’s better than payday loans and in many cases, can be superior to traditional bank loans when you compare terms.
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Personal Loan Interest Rates from Lending Club
What’s the difference between your FICO credit score and all other scores? Credit scores can be pretty confusing. It’s because when you go hunting around for your credit score, you’re bombarded with many options. What you think is a free credit score really isn’t (you only get a free trial) and the credit score you’ve picked up may not be what your lender is using to gauge your creditworthiness. To make heads or tails of all this, let’s see if I can put some facts down; then I’d love for anyone else out there to help me fill in the gaps if you are willing! I’m not a credit score expert but I’m sure there are many of you who are. To get the discussion going, let’s start with a basic question: what are credit scores for? Why Credit Scores Matter: FICO vs FICA Scores We, as a credit-based society, are dependent on credit scores that the lenders use to find out how trustworthy and reliable we consumers are about our finances; just how reliable are we about managing our bank accounts, our credit cards and other debt? Our credit scores and reports tell the story
Our guest writer today, Millie Kay G., is a self-proclaimed “credit card procrastinator”. She covers the basics of credit card rewards programs and wonders where the good ones are. Could it be too late for me? With credit cards harder to come by these days, I regret not checking out credit card rewards programs sooner. As far as these programs go, I haven’t bothered to take advantage of them in the past: call me a credit card procrastinator. However, the benefits can only help me and it’s better late than never to check out what kind of programs are still available. I’m hoping that through this post, I’ll be able to start a discussion on which rewards card programs are worth checking out. What Are Your Best Credit Card Rewards Programs?
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What Are The Best Credit Card Rewards Programs?
Much like with anything else that’s financial in nature, borrowing money works out the best when you’ve planned just how to do it. Here are a few questions to reflect upon before taking out any kind of loan: Do you really need that loan, and what is it for?
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How To Get A Personal Loan
We’ve often talked about how to get rid of debt . But this time, we’d like to cover an actionable plan comprised of simple steps you can perform to fully eliminate your debt. While some families I know can pay off their credit cards each month, most people I know maintain mortgages, car loans, credit card and other debt. In the past, I felt like I was climbing a mountain that I’d never pay off, but I learned how to set up a debt repayment plan. The process isn’t too complicated to set up and with consistency, I found out that I could find zero balances at the end of my hike. How To Get Out of Debt: Set Up A Debt Repayment Plan Allow me to go through what I’ve done to set up my personal debt reduction program. 1
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How To Get Out of Debt With A Debt Repayment Plan
We’ve discussed credit report monitoring services here before, which help you in a couple of ways. They can keep an eye on your credit standing by monitoring your credit reports: they’ll let you know if your credit has been affected in any way or if you’ve somehow become a victim of identity theft. Sure, the business of protecting our identities via credit monitoring and other means has offered consumers a way to be proactive. However, I thought to write about a few considerations we should all be aware of before signing up with a fraud protection service like Lifelock or Trusted ID , which are two big names in the industry. Identity Theft Protection: What To Watch Out For Your credit card company may have given you a pitch about fraud protection at some point. Or you may have heard about the promises that id theft services can bring you
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Should You Get Identity Theft Protection?
