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Understanding Bad Credit and Fixing your Credit Score

Understanding the credit score factors in bad credit and fixing your credit score before a loan can get you a better rate and save money We’ve all been there, either bad credit or no credit at all. There is a saying in the banking world that loans are for people that don’t need them. That’s […]

10 Mistakes that Destroy Your Credit Score

Destroy your credit score and you’ll be locked out of the lowest rates in history. Here’s how to avoid ruining your credit. We’re quite a bit more relaxed about debt here at PeerFinance101 than most personal finance blogs. We see debt as a financial tool rather than a burden, helping you to get the education, […]

Upstart Review: Great for Students but Right for You?

Upstart offers a unique opportunity for peer loans to students and graduates I still remember trying to get a loan as a recent college graduate. It was before the surge in peer to peer lending but I tried just about everywhere. The answer was the same, if you don’t have a credit history then you […]

By the time you read this: Identity Theft will Strike Again

Identity theft hits a new victim every two seconds. Is your financial future safe from hackers and thieves? A California man pled guilty to identity theft in 2008 for obtaining the banking information of an insurance company’s policyholders and using it to steal $764,000 from their checking accounts. He got just 27 months in prison […]

How I Fought Back from Credit Score Disaster

The six steps I used to add 140 points to my FICO score after a credit score disaster It was Bob Hope that said, “A bank is a place that will lend you money if you can prove you don’t need it.” If you’ve ever faced a credit score disaster like I did, you know […]

Four Reasons You Were Denied Credit on a Loan

These four reasons explain why you were denied credit on a personal loan and what to do about it We looked through loans made on Prosper and Lending Club last week to sort out some of the biggest factors that affect your interest rate on a personal loan. The information led to some great ways […]