Falling behind on debt payments can happen to anyone. Maybe you lost your job or faced unexpected medical bills. Whatever the reason, you suddenly find yourself unable to make minimum payments on a credit card, personal loan, or other debt. This brings up a big question: Should you pay the original creditor or the collection … Read more
These days, credit cards are almost indispensable, providing convenience and financial flexibility. But while using credit cards for everyday purchases is becoming more common, its also not unusual to face financial challenges that can lead to missed payments. If the problems and late payments keep happening for a long time, the credit card debt might … Read more
If a debt collector contacts you, use the opportunity to find out about the debt, which will help determine if they’re legitimate and if you really owe it. When a debt collector calls you for the first time about a debt, they are usually required by law to give you certain information about the debt … Read more
Whatever your goals, a personal loan can help you reach them faster. Borrow $2,000 – $35,000* for things like a medical bill, a home project, or an unexpected expense. Need money quickly but don’t have time to wait? These days, getting a loan quickly is necessary for those unexpected costs. Luckily, there are now ways … Read more
If youre thinking about applying for a credit card from Discover, you should be most concerned with your Equifax credit report, followed by Experian and then TransUnion. We researched 134 publicly available, consumer-reported credit inquiries made in 2016 and 2017. While Discover makes use of all three credit agencies, it has an affinity for Equifax … Read more
Getting approved for an American Express card like the Blue Cash Preferred or Blue Cash Everyday can be a great way to earn lucrative rewards on your spending. However, American Express has high credit standards, so you’ll typically need good or excellent credit to qualify. You should aim for a credit score in this range … Read more
People with credit scores between 300 and 850 have good credit. Scores between 670 and 739 are bad. Credit scores of 740 and above are very good while 800 and higher are excellent. Credit scores between 300 and 850 are good, with a score in the mid to high 600s or higher being the best. … Read more
Getting approved for a $500,000 business loan may seem out of reach for many small business owners. However, with the right preparation and approach, securing financing at this level is possible for established businesses with strong financials. We’ll show you step-by-step how to get a $500K business loan in this detailed guide. Determining If You … Read more
With housing prices soaring, finding an affordable place to call home can be challenging. One option to explore is HUD homes, which are often sold for less than their market value. But what is a HUD home, and how can you determine whether it’s the right choice for you? Here’s what to know. Key takeaways. … Read more
If a court issues a judgment saying that you owe a debt, it could allow the creditor to garnish your wages or certain benefits to pay it off. State and federal laws limit how much a creditor can garnish from your wages. In some cases, they protect a minimum amount in your bank account from … Read more