Given the state of the economy and the rising debt burdens of millions of Americans, many people are left wondering whether they really need credit cards. The answer to this question lies in how well you can manage your money and whether or not you are prone to overspending. Let’s take a look at some [...]
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Do You Really Need Credit Cards?
October 7th, 2008 — , Bad debt, Credit Cards, Free Money, credit card credit, credit history, credit karma, credit score, credit scores, debt burdens, debt limits, economy, interest rates, many different ways, minimum balance, personal finance, six months, store credit cards from Credit Karma @ Credit Karma
Requesting a Zopa (US) loan can harm your credit history
October 2nd, 2008 — , US, Zopa, credit history, credit inquiry, zopa us from wiseclerk @ P2P-Banking.com
Tom of Prosper Lending Review found out that when he tried to request a Zopa loan not only was he rejected, but the Zopa credit inquiry was listed on his credit report. Unlike other p2p lending services in the US Zopa does a hard pull. The Zopa FAQ states:
We think it’s best if you assume [...]
Continue reading → Requesting a Zopa (US) loan can harm your credit history
Is The State of Your Credit Forcing You to Spend More Money?
September 29th, 2008 — , 163, 30 year fixed rate, bad credit, banks, consumers, credit history, credit score, credit scores, creditors, different ways, exact loan, fixed rate loan, interest rates, loans, money, perfect time, personal finance, poor credit, rewards, risk, same time period from Credit Karma @ Credit Karma
Many of us don’t realize just how much of an impact our credit scores can have on our finances. What triggers change in your credit scores? Well, if you have had difficulty paying your bills in the past, or you have not done much work to build up your credit history, chances are your score [...]
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Restore Your Fico Score – Part One
September 25th, 2008 — , Lenders, advance notice, apartment, cards, credit card, credit history, credit score, despair, fico score, fico scores, goal, money, nosedive, obsessing, personal finance, proper management from Rich Leverage @ Rich Credit Debt Loan
While obsessing over a FICO score is not a good idea, this is a number that will have a lot of bearing in your life. This number determines whether or not you will be able to get a house, a new credit card, or in many cases, whether or not you will be able to [...]
Related StoresHow to Undo The Results of Financial Trauma
September 18th, 2008 — , Bad debt, Free Money, Lenders, credit history, credit rating, credit score, creditors, debt, debt collections, dedication, despair, due date, financial stability, high risk credit card, minimum balance, money management skills, payment history, personal finance, protection act, rebuilding your credit, risk credit, secured card, secured credit card, six months from Rich Leverage @ Rich Credit Debt Loan
Whether you’ve lost your home or your job, or your money management skills over the years have left you severely in the hole, it is never to early to start turning things around. You can bounce back from financial trauma, but it will take some effort and dedication on your part. Here are some tips [...]
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Green Note Review
August 19th, 2008 — , Green Note, Lenders, P2P Lending, Site Review, better time, citizenship, collections, credit history, family reunion, fixed rate, foreign students, friends and family, good chance, graduation, loan assistance, marketplace, paperwork, relatives, risk, student loan, student loans, student signs, traditional loans from RateLadder @ Rate Ladder
P2P student loans have exploded onto the scene this past year, due in a large part to a lack of availability of traditional loans. There has never been a better time for a p2p site to start offering student loan assistance, and Green Note is one of the newest entrants into the marketplace.
The concept [...]
Prosper 1 Month Late or Worse Curves
July 23rd, 2008 — , Prosper.com, Statistics, Strategy, Tools, aa, axis, credit grade, credit history, curves, data export, loan origination, loans, methodolgy, private data, slopes, sql from RateLadder @ Rate Ladder
The methodolgy or the sql for obtaining the data these curves from the private data export has already been explained in detail, but briefly…
The Y axis is the percentage of all loans orginated of a given age that are currently 1 month late or worse…
The X axis is the days loan origination.
The curves stop when [...]
Prosper 1 Month Late or Worse Curves
July 23rd, 2008 — , Prosper.com, Statistics, Strategy, Tools, aa, axis, credit grade, credit history, curves, data export, loan origination, loans, methodolgy, private data, slopes, sql from RateLadder @ Rate Ladder
The methodolgy or the sql for obtaining the data these curves from the private data export has already been explained in detail, but briefly…
The Y axis is the percentage of all loans orginated of a given age that are currently 1 month late or worse…
The X axis is the days loan origination.
The curves stop when [...]
How Much Debt is Too Much?
July 22nd, 2008 — , Bad debt, Credit Cards, average person, car loan, cards, compounds, credit card debt, credit history, debt, debts, dry cleaning, education, fence, home loan, money, personal finance, right of passage, risk, sake, salary, student loans, three times from Rich Leverage @ Rich Credit Debt Loan
The average American is currently carrying at least some form of debt, even if it is small. We live in a society where overspending is common and credit card debt has become a right of passage. In many cases, you need to be in debt in order to start building your credit history. Without this, [...]
Related Stores3 Reasons Why Paying With Cash Hurts You in the Long Term
June 19th, 2008 — , 300k, Insurance, benefit, brain tumor, cards, credit history, credit rating, credit score, emergencies, health costs, hospitals, money, personal finance, recourse, truth from Rich Leverage @ Rich Credit Debt Loan
Many of us have been conditioned to think that living debt free is the only way to be. While there is some truth in this statement, if you’re completely debt free and using only cash, you’re hurting your chances of getting a new home, and you may end up in a situation that requires more [...]
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Continue reading → 3 Reasons Why Paying With Cash Hurts You in the Long Term
