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Consolidating Your Debts Now Could Prove to be Timely Move

by noor on November 23, 2009

in Debt Consolidation, News

As the personal loans are stuck on fixed rates, some very attractive and competitive mortgage rates are currently being offered by many lenders. Thus if you have other debts in addition to your mortgage, this could be a good time to consider reviewing your finances.

debt consolidation

It is possible that you may be paying much higher interest on your personal loans. Moreover, if you have any outstanding credit-card balances, this would mean that you may be paying between 15% and 20% interest each year.

Also, due to the recession, credit card providers are much more reluctant to give credit to new customers. This has made switching of credit cards much more difficult. It is not possible now for customers to switch their debt to another card company in order to get a zero interest rate for a while.

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Universities Step In On Student Loan Delay

by noorNovember 19, 2009 News

In order to help out those students who are still waiting for their loans, many universities in England and Wales have started to use their hardship funds.

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Credit Inquiry

by noorAugust 23, 2009 Credit Cards

A credit inquiry is basically a notice on your credit report, that shows the attempts you made to apply for some type of new credit. This new credit can be a mortgage, auto loan, or credit card. Whether they are approved or not, credit inquiries show up on your credit report, so that other creditors know if you’ve been trying to secure new lines of credit recently.

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Credit Card Balance Transfers

by noorAugust 18, 2009 Credit Cards

Credit card balance transfers enable a person to pay off his old bills by opening a new credit card. It can be considered as a refinance, as your old credit card balance is paid off, and you start off with a new credit card balance with a new rate and terms.

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Banks Wary Of Small Business ARC Loans

by noorAugust 14, 2009 Business

According to a lending tally released this month, the Small Business Administration has been able to grant more than 1,000 emergency loans to struggling companies since it launched the much-anticipated America’s Recovery Capital program in mid-June.

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College Students And Credit Card Debt

by noorAugust 14, 2009 Credit Cards

College campuses have become the biggest advertising stage for many credit card companies. Many young adults leave home for college for the first time. Most colleges allow credit card companies to set up a kiosk on their campus, offering credit cards to all the students walking by. Most of the time such companies attract students by using a cheap incentive to sign up, such as a free teddy bear, chocolate bar, or basketball.

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Consumer Guide To Bad Credit Personal Loan

by noorJuly 22, 2009 Bankruptcy

Although there are financial institutions in the market that are willing to give loans to those having a bad credit rating but any loan offered considering a high risk situation will be marked up with a premium amount for the risk suffered.

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Best Letter Ever Written to A Bank Manager

by R. MAK.February 8, 2009 Banks

I refer, of course, to the automatic monthly deposit of my entire pension, an arrangement which, I admit, has been in place for only eight years. You are to be commended for seizing that brief window of opportunity, and also for debiting my account $30 by way of penalty for the inconvenience caused to your bank. My thankfulness springs from the manner in which this incident has caused me to rethink my errant financial ways.

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What I Do With Credit Card Applications In My Mail?

by R. MAK.November 21, 2008 Credit Cards

Things that come in mail these days are pretty scary. Especially I am worried about those pre filled credit card applications that are sent to my mail box. If some one get them from my mail box and change the ID, they can be spending lot of the money on those credit card, never to pay back. Recently I came across an article on cookeyed.com. The dude tore his credit card application and then re-glued it. made changes on it and sent back to CHASE. Guess what, he got a credit card delivered to his father’s address.

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