Tag: loan

7 Things You Should Know About Personal Loans

In today’s world of instant gratification and technology, people often turn to Internet loans to take care of an emergency when savings funds are not available. There are different sites that provide “instant” Internet loans that can provide money by the next business day. Some instant loans may require sensitive financial documentation from the borrower. […]

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5 Student Loan Forgiveness Scams To Watch Out For

Student loan debt is a serious problem facing many Americans today, and it cannot be resolved overnight.   Graduating from college is a laudable action, and many young people feel a great sense of accomplishment and motivation as they walk across the stage and enter the world of full-time work. However, not too long after […]

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Helpful Tips To Understand Your Credit Score

A credit score is an integral part of your credit history and overall is essential for many purchases, loans, and other important financial decisions or transactions. It can help determine a lot of things, such as interest rates that you’ll receive or even if you can rent that apartment that you’ve had your eye on. […]

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How to Deal with the Financial Effects of a Natural Disaster

Natural disasters can cause an enormous amount of devastation and damage, but the effects can actually be more far-reaching than many imagine. When a natural disaster strikes, debt and/or your personal finances are probably the LAST things on your mind. But these two topics are going to come to light pretty quickly after something bad […]

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How to Build a Strong Financial House with Housing Counseling

For most Americans, buying a home is the largest purchase they will make in their lifetime. But it’s not enough to know what neighborhood, style of house, or square footage you want. Consumers also need to have their financial affairs in order prior to considering homeownership. A consumer’s financial history and credit rating are two […]

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How Credit Counseling Can Help You Get A Mortgage

We get asked this question almost every day “Can you get a mortgage if you’ve done credit counseling and are on a Debt Management Program (DMP)?” The short and sweet answer is “YES”! There are a few things that you need to consider though. Consumer credit counseling can get individuals with poor credit scores on […]

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6 Things You Need To Know About Interest Rates

Interest rates are an important factor to consider when buying expensive items with a line of credit, applying for a loan, or just using any credit card. In general, those with higher credit scores tend to qualify for a better interest rate than those with lower credit scores. The following are six things consumers should […]

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Credit Scores and How They Came to Be

Prior to the creation of credit scores, financial institutions and lenders would often develop their own creditworthiness score to assess the risk of lending to that particular person. This “score” would vary significantly from one lender to the next. The major issue with this innovative method was that it was based solely on the lender’s […]

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Debt Management for College Students: How To Deal With The Debt

When you are a student in college the last thing on your mind is saving money, debt management, the wise use of credit, and pretty much anything having to do with budgeting or finances. But college can actually create a financial future full of debt and doubt if you aren’t careful. You’ll receive many credit […]

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Do You Need Help Building Your Credit Rating?

An individual’s credit rating is an important factor that significantly contributes to their financial well being. Whether an individual is applying for a loan or a new job, their credit rating will be evaluated and could be used for making a final decision. Given the major impact that a credit score has on a person’s […]

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Becoming Debt Free Starts Here

If you're struggling to make ends meet, our team of certified counselors are waiting to help you find a solution that's right for you. No matter what your financial situation may be, remember you're not alone