When you struggle with bad credit, you may find it hard to get approved for just about anything. The good news is, if you want a credit card, there are some companies out there that will still approve you. Most are secured, meaning you will have to pay a deposit. Here are 3 credit cards you should...
Those with little to no credit history or between 500 and 600 on their FICO score may see an increase in loan opportunities. UltraFICO, a new type of credit score system, will help consumers establish a credit score based on their banking and savings habits rather than credit cards, loans and debts. It’s meant to...
Planning on popping the question? Well there are certain ways that your credit score might play a factor in that decision. Spray out payments if it’s not possible to make the purchase in one fell swoop. Use the credit card rewards to plan a honeymoon. Another great perk of rewards is finding cards that have...
Good drivers, rejoice: It’s likely easier for you to find a cheaper auto insurance premium! Insurance companies want to work with good drivers and promote safety on the road, so it only makes sense that they’ll want to partner with people don’t have any marks on their driving records. These are the different types of...
Those in the military get housing benefits, but four more states just got military-friendly loans: Georgia, Florida, North Carolina, and Pennsylvania. The Georgia Dream program provides assistance to first-time buyers, those that haven’t owned a house in three or more years, and those who live in designated areas. The Florida Housing Finance Corporation gives a Florida...
Alaskan utility customers may soon find a pleasant surprise in the form of loans. For energy efficient upgrades and adding renewable energy systems, they will be paid back through their monthly bills. Known as “on-bill financing,” this is already done throughout the country. Gov. Bill Walker signed a bill into law to suspend service to...
No one wants to deal with taking out a mortgage loan and having it denied. Recently the Urban Institute calculated real denial rates to determine which mortgage loans are denied most often. Government-backed loans get denied less than conventional loans. Forbes reported that “conventional loan applications are denied almost 50% of the time, versus just over...
For those who built a home rather than bought an existing one, you might notice that traditional mortgages aren’t applied. Instead, you’ll likely have to get a construction loan. But what is a construction loan, you may be wondering? They’re high-interest, short-term loans that cover the costs of building or rehabilitating a home. They’re based...
There are three requirements of what makes up public service loan forgiveness for student loans. According to CNBC, it’s the following. They have to federal direct loans. Employers must be government level organizations, a 501(c)(3) not-for-profit, or another type of nonprofit that provides public services. You will have had to make 120 on-time payments. Continue to...
Let’s start with this…it’s the LAW! Most states require drivers to carry some type of car insurance to prove that you can pay for potential accident expenses. Even if your state does not require you have to car insurance, here are some other reasons why you should: 1. It’s risky – Accident costs are expensive,...
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