05 May
Posted by Thomas Kafen as Repair Credit Score
Auto financing has become very popular with many people especially those who do not have large sums of money at their disposal but would like to own their own automobile. There are many companies out there that provide financial services to such people. Thus, it is important to have information about the auto finance option before making any application. First, you need to know that all types of vehicles such as trucks, vans, cars among others are included in the option. In addition, even if you are looking to buy a used car, you will get financial support from the lender.
Another thing you need to know is the various types of auto finance options available from lenders.
What do Libya, Portugal, Greece and Japan have in common? A mix of geopolitical risk, dissolved parliaments, plummeting stock markets and “austerity measures,” by my recent scan of headlines. Oh, and unemployment for college graduates is the highest it’s ever been. There are a lot of scary things going on out there—only 50% of which I understand. First, this doom and gloom makes me want to live it up while I can. This means vacationing on sunny beaches and buying myself an iPad instead of deferring the vacation until I get through graduation. Second, I think it makes me less likely to invest my money in faraway places, because who knows when the people will rise up and take to the streets?
Then I shake the anxiety out of my head and tell myself to stay the course. Precise
01 May
Posted by Thomas Kafen as Repair Credit Score
Most people don’t know it, but, more and more, people are turning to the internet for their bad credit auto loans. The internet is a great place to shop for auto loans because it consolidates all of the information that might take you days to find elsewhere. Even with all of this information, a lot of borrowers are still cornering themselves in dealerships, where they think they’ll be able to get more empathy. Though it might seem like a traditional lender would be more sympathetic, they are simply no match for the online lenders. Online lenders are more understanding, and, because of competition, their rates are often much better. The
One method for removing late payments from credit reports is that of using what is known as “goodwill requests”. A goodwill request is simply a request to the creditor to remove a late payment in the name of good customer service, and to preserve the future relationship with you (the customer). Goodwill requests should be based on maintaining a good relationship with the creditor, not on who is right or wrong.
So rather than writing the creditor and claiming you weren’t late, or admitting that you were… simply write them and tell them how long you’ve been a customer, how much you like their service, and how you’d really like to remain a customer of theirs if you can. Then ask them if they will remove the late payment as a gesture of goodwill. Read more…
Did you ever see the movie Friends With Money? Jennifer Aniston plays a house cleaner in LA with three well-off friends who don’t get it that not everyone can swing pricey restaurants on a daily basis.
Its likely most of us have been there at some point. I remember a time when money was tight and a friend of mine had her birthday dinner at one of the most expensive restaurants in town. Not only did the group order a lot and the bill get split evenly, but everyone had to pitch in for the birthday girl. On a tight budget, it was a social/economical nightmare.
Whether you’re trying to take the frugal route or you just don’t make as much as some of your friends, here are a few tips for navigating that fine line between living within your means and living it up together.
1. Be ho
In this article I’m going to go over several common strategies for getting collection accounts removed from your credit reports. Collection accounts can be sticky and difficult to deal with, and depending on the situation if you make the wrong move you could find yourself getting sued by the debt collector. Along those lines, I need to mention this one rule: Always know the statute of limitations on debt collection for your state, and always know whether or not it has expired for the debt in question. THIS INFORMATION SHOULD AND WILL AFFECT YOUR TACTICS. Don’t think being past the SOL will prevent a lawsuit by itself, though. If the amount is large enough, a collector may still sue and hope for a default judgment (i.e. Read more…
20 Apr
Posted by Gabrielle Geoghegan as Repair Credit Score
Close your eyes and imagine your ideal pad: is it in the city, near all the noise and late-night pizza joints? Are there roommates (or a significant other)? Big TV or little TV? Time to have your dreams slam into the reality of a budget.
Rent will eat up the biggest chunk of your budget so be prepared to be thrifty. Extra charges for electricity, gas, hot water, a garbage disposal, an occasional plumber, cable and Internet are just plain necessary. Let me share a few apartment-hunting strategies that I’ve used over and over: