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Americans in these 13 States Owe More than They Make a Year

The Average Debt in America is Exploding and Americans Just Can’t Help but Borrow More The chorus after the 2008 financial collapse was that borrowers had heard the harsh message and were taking out less debt. After a 63-year trend of borrowing more money each year, households cut back after the housing bubble threatened to […]

7 Warning Signs of a Personal Loan Scams

Know the seven warning signs of personal loan scams to avoid being a victim in this growing crime Identity theft and personal loan scams are increasing as more of our lives go online. There’s big money in the billion-dollar personal loan business and even bigger money in stealing people’s banking information. Apart from completely unplugging […]

Which Factors Most Influence Credit Score?

Understanding the factors that affect credit score and how to manipulate them will get you the best possible rate on your next loan. The market for credit repair services brings in over $4 billion a year and 80% of Americans have been denied a loan at some point because of their credit score. It’s obvious […]

Why You Must Consolidate Debt this Year

Consolidation loans and all other loans are about to get more expensive and you might not be able to qualify When I destroyed my credit and fell deep into debt in 2008, I thought the only way out would be bankruptcy. I owed tens of thousands on credit cards and home mortgages from rental properties. […]

Is it Possible to Get Bad Credit Home Loans?

Follow this simple process for bad credit home loans at rates you can afford First let’s start by saying I hate the term ‘bad credit’ and bad credit home loans are no different than regular home loans. The banks have separated ‘good credit’ and ‘bad credit’ by saying everyone below a certain credit score, usually […]

11 FICO Credit Score Myths that Will Change Your Financial Life

These FICO credit score myths can keep you from getting the money you need, a good job or even a roof over your head Your FICO credit score is one of the most important parts of your financial life. It can help you find your dream home, get you cheaper rates on insurance and even […]