Any individual who has suffered from severe financial hardship will find that one of the things that has been affected is his or her credit score
and credit history. Whether the hardship was a bankruptcy, a foreclosure, or repossession, you can rebuild your credit history and score.

One of the best things that a person can do when attempting to rebuild their credit history is to view the process as if he or she had no credit problems in the past. Think of the situation as if you had no credit history at all and are starting fresh. [continue reading…]

Borrowing money from a financial institution is hard enough when the borrower has good credit. Borrowers with bad credit have limited options, but there are some alternatives to a conventional bank loan. Having good credit can open some doors for borrowers, but having bad credit [continue reading…]

Car title loans are a great opportunity for individuals and families to borrow much needed funds in times of financial duress. Those who possess a clear title to a vehicle can easily qualify. When taking out a car title loan, it is imperative that the borrower use the loan wisely. [continue reading…]

With the onset of spring and summer coming very soon, the storm season is upon us. Already, there have been several reported tornadoes, hail storms, and incidences of high winds throughout the country. Many families have suffered damage to [continue reading…]

When your credit history is suspect, it can cause a lot of problems, especially when it comes to borrowing money for a car or a house. A poor credit history can also affect your chances of landing certain jobs and securing lines of credit. A bad credit score will have an impact on your financial future, whether you know it or not. [continue reading…]

If you have attempted to borrow money to buy a home or a car and have run into difficulty because of your credit score, there are some things that you can do to improve upon it. While there is no quick-fix, you can repair your credit report [continue reading…]

Car title loans are becoming more and more popular especially in today’s uncertain economic conditions. The loan, which is secured by a vehicle with a clear title, has gained in popularity for a few reasons. Here is a look at a few. [continue reading…]

You may be like the many that have never even heard of car title loans. These types of loans are a great alternative for those in an emergency situation and need access to cash quickly. A vehicle title loan is also rather easy to obtain and requires that a potential borrower have a vehicle with a clear title. [continue reading…]

A person’s credit score can have a big impact on several of the major decisions that come about in one’s lifetime. When attempting to purchase a car or a home, for example, a person’s credit score goes a long way in determining what is possible. Future employers are now examining the credit histories of potential employees looking for signs of risk. [continue reading…]

Are you a subprime borrower? You are if you have a poor credit score, insufficient credit history, or some combination of the two. With a credit score of below 620, you will find that attempting to open new lines of credit or borrow money are nearly impossible. Credit card companies, department stores, and more will most likely not extend credit to those with low scores. [continue reading…]

For years you have suffered with your credit. Some late payments here and a few medical bills there have left you with a subpar credit history that makes the prospects of a conventional loan nearly impossible. To make matters worse, an occasion arises where you need access to emergency funds and your rainy day fund has all but dried up. [continue reading…]

The average household in the United States holds over $7,000 in credit card debt, but the average for households who actually have credit card debt is over $15,000. Almost 50 percent of all Americans have a balance that they carry from month to month on at least one credit card. What this means is that there are millions of people across the country in debt. [continue reading…]

Today’s volatile economy has left many people struggling to make ends meet. With households strapped for cash and having trouble meeting monthly financial obligations, there are many who could use some help. Financial problems also take their toll on people’s credit histories making it even tougher to borrow money. Secured personal loans, a car title loan for example, offer a solution. [continue reading…]

If you are currently having difficulty making your rent payment, as well as your other monthly bills, you have a few different options. You could also go the conventional route and attempt to get a small loan from a financial institution. Many banks do not even offer the opportunity to borrow small sums, like $1,000, of money. The other problem that you may run into is going through a credit and background check. You will need to have job to prove that you have the income to repay the loan. If unemployment is part of your financial problem, you will not be able to secure a bank loan. [continue reading…]

An auto title loan can be a great solution for many different types of financial challenges, including job loss, unexpected medical bills, education expenses, and much more. When acquiring a personal loan, there are some dos and don’ts to keep in mind to ensure that your experience is satisfactory, helpful, and moves you toward [continue reading…]

Every individual has gone through a cash shortage at one point in his or her life. When this happens, the most common reaction is to panic and immediately look for short term borrowing from other family members or friends. Borrowing from friends, though, has its drawbacks. It can be an easy way to lose a relationship with someone that you really care about. So, before you go down that path, think about some alternatives: [continue reading…]

Your credit score is the most important financial number you need to know. A good credit score can save you thousands of dollars in interest. The problem is that not everyone is fortunate enough to have a great credit score. Things happen, and sometimes circumstances are out of our control. Having a bad credit score is not the end of the world though. There are ways to increase your credit score, and it does not always have to take a long time to do so either. [continue reading…]

You may have heard that car title loans are a no-no, but honestly, that couldn’t be further from the truth. There are actually many advantages to car title loans and they are very safe. In Florida, these loans are regulated so you won’t have to worry about sleazy lenders taking you for a ride. One of the main advantages of a car title loan is the ease of obtaining a loan. [continue reading…]

If you are like many Floridians, debt may have gotten out of control and you may think that debt consolidation is the way to go. The truth is, though there are certainly pros to debt consolidation, there are also cons. By understanding the pros and cons of debt consolidation, you can easily find out if this is for you. [continue reading…]