Whether you like it or not, but the sad reality is Americans are notorious spenders.

For 28 percent of adults who have no emergency fund, getting into the habit of applying for personal loans has become a norm. Imagine, you lost your house in a fire or faced the need for a car engine replacement.

The scary reality, right? The last thing you want to end up hundreds of thousands poorer overnight.

No one can deny, sticking to the budget is a tough gig. All in all, only 18 percent of Americans say they could live off their savings for at least six months.

Continue reading “Small Loans Online 101: Make It All Right” →

There is no problem is searching for a financial advisor. It’s much more challenging to select the right person who will be well-qualified to help you overcome any financial difficulties.  A financial advisor is a person in charge of helping people to manage their money, make the best investment decisions, and pursue their financial aims.

However, there are several types of professional advisors, and each financial planner has its own peculiarities. There is no one-size-fits-all so you need to take into consideration the following tips and questions to ask a prospective certified financial planner.

Continue reading “How to Choose a Financial Advisor? Here Is Your Guide to Follow” →

You may need to get in touch with a major credit bureau once in a while if you want to request a freeze on your credit report or would like to dispute a negative item.

Also, you may even have a good credit score but still want to check the copy of your annual credit report. This can help to protect your identity and ensure fair pricing on your credit.

If you want to know everything about your current credit score and review any prospective problems or mistakes, you may need to contact one of 3 credit bureau.

Continue reading “3 Major Credit Bureaus: What They Do” →

If you have a loan default, it means that you have a halt in making loan payments. What does it mean for you as a borrower? Well, nothing great. In fact, it can hurt your credit and allow a lender to contact credit bureaus. So, if you think that a miss in payment will occur in the nearest future, find out your potential options.

Indeed, things happen and none of us is safe from the worst-case-scenarios. And when you feel that you may default on a loan, take preventive actions.

Continue reading “What Does It Mean to Default on a Loan?” →

How many times have you regretted impulse buying? Spend some time reviewing the best credit repair companies and you won’t get into financial trouble.

Well, the number of companies that provide credit repair services abounds and for a good reason.

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Signature loans are often called “e-signature loans” because a borrower is only required to put the online signature, thus giving a promise to pay the loan off. A signature loan may be used for various purposes and gives a chance to receive quick help when you need money desperately.

Although some companies claim the opportunity to get signature loans no credit check, every lender and finance-related service provider performs at least a soft check. Such type of loans are unsecured, therefore they are high- risk for lenders.

Continue reading “Signature Loans: Answers to Your Most Frequently Asked Questions” →

It’s dismaying to hear that people still ask questions like ‘Can a loan company take you to court?’. Even if it’s not common, it can absolutely sue you.

This is hardly a secret that in order to avoid difficulties, you should always pay your statement balance in full, every month, without exceptions. Do you plan on using your payday loan the correct way? Great, then a collection agency is not a concern for you. Otherwise, it’s more likely that you risk putting in front of a judge.

Continue reading “Can a Payday Loan Company Sue You?” →

In the land of credit scores, FICO rating is king. Many of us, in one of these fine days, have done something in the heat of the moment that adversely affected their credit rating. Now you may find your head spinning on how to minimize that negative impact.

Well, is there anything you can do to raise it quickly?

Your credit score tells whether you are good at borrowing money and paying it back. All in all, having a healthy score is always good. One thing to remember here is that good credit scores follow good financial habits. In its turn, saving and planning will do far more for you than a good credit score. Yet, if you’re still thinking about ‘How to increase my credit score?’, the time is now.

Continue reading “How to Increase Your Credit Score up to 800” →

We live in the land of opportunities, where every single mouse click can make our dreams a reality. Face it, there’s almost no area which you do online. Diet, fitness, health, entertainment, eCommerce, finance, everything’s at your fingertips.

The recent data shows that there’s a significant increase in interest in personal finance topics (up 21.1 percent).

What is bitcoin? How to secure mobile payments? There seems to be no end to the diversity of questions. In times, a major part of consumers agonizes over on some level while searching how to open a bank account online. If you are one of them, then let our journey down the rabbit hole together begin.

Continue reading “Stop Waiting in Line – Go Digital and Open Bank Account Online” →

A danger foreseen is half avoided. We all wish we could be warned ahead of time or could foresee a problem in time to reduce its negative impact. But the reality proves quite the contrary. No matter how hard we try, things will always go south. Especially when it comes to financial mistakes.

Have you ever wondered how long does something stay on your credit report in case you’ve made a mistake? In an ideal world, we don’t miss a step. Unfortunately, ‘errare humanum est’ (i.e. to err is human).

Continue reading “How Long Does Something Stay on Your Credit Report?” →