Loading...

progress
Your request is being processed...
  • 1. The credit card you pick can save you money Views: 26
    Preview
    Terms of Use: The credit card you pick can save you money Table of Contents: Credit Card Interest Rates How Much Will You Pay? Credit Card Shopper'sChecklist Deciphering the Application Glossary For More Information Smart consumers comparison shop for credit, whether they're looking for a mortgage, an auto loan, or a credit card. Comparison shopping is important because it could save you money. When you're looking for a credit card, be sure to consider the costs and terms. They can  More...
  • 2. How am I protected by federal law from being discriminated against when buying a home or getting a loan? Views: 24
    Preview
    Terms of Use The Fair Housing Act prohibits discrimination in housing sales or loans on the basis of race, religion, color, national origin, sex, familial status (having children under the age of 18), or handicap. The Equal Credit Opportunity Act prohibits discrimination in any aspect of a credit transaction on the basis of race, religion, age, color, national origin, receipt of public assistance funds, sex, marital status, or the exercise of any right under the Consumer Credit Protection  More...
  • 3. How do I repair my credit? Views: 24
    Preview
    Terms of Use If you want to repair your credit, begin by paying off old debts and correcting any issues on your credit report. Perhaps you've been tempted by the credit repair advertisements you've seen that promise to fix your credit report. The fact of the matter is that there is nothing you can't do yourself (free!) that a credit repair clinic can legally do (for a fee!) to fix your credit report. To request a free copy of your credit report, check out the related link below  More...
  • 4. Basics about Payday Loans and other check cashing services Views: 23
    Preview
    Terms of Use: Friendly looking people proclaiming the benefits. Smiling representatives, extending a hand. The ads for payday loans and check cashing services are appealing and perhaps you've been tempted to check them out. What is a payday loan? Payday loans are usually small, short-term, high-rate loans intended to get you cash before payday. The idea is that once you receive your paycheck, you'll pay off the loan. These loans may also be called cash advance loans, check advance loans or p  More...
  • 5. What things should I consider when selecting a credit card? Views: 22
    Preview
    Terms of Use: Consider and compare all terms, including the following, before you select a card: Annual Percentage Rate (APR) - the cost of credit as a yearly rate. Free or Grace Period - allows you to avoid any finance charge by paying your balance in full before the due date. If there is no free period, you will pay a finance charge from the date of the transaction, even if you pay your entire balance when you receive your bill. Fees and Charges - most issuers charge an annual fee; some al  More...
  • 6. Should I close my credit card if I'm not using it? Views: 21
    Preview
    Terms of Use: With annual fees and interest rates on credit cards, you may be wondering whether to close out an account you're not using. Some are also concerned about identity theft as well as the need to simply control the amount of debt. Whatever your reason for considering closing a credit card account, here are some things to consider: If you close out a credit card that has an unpaid balance on it, your available credit (or credit limit) on that card goes to zero. Your credit score look  More...
  • 7. Your "Get Out of Debt" Step-by-Step Roadmap Views: 20
    Preview
    Terms of Use: Your Get out of Debt Step-by-Step Roadmap You've heard the old saying, live within your means. Easier said than done for some. The important thing is that you've reached a point where you realize your life would be a lot less stressful if you didn't have bills to worry about. Short of winning the lottery, what can you do? Here's help. Four rules to live by: 1. Be realistic! If you are spending $500 a month now on food, don't expect to cut your grocery bill t  More...
  • 8. Getting a handle on debt: His, hers, and ours Views: 19
    Preview
    Terms of Use In order for you to get a handle on your debt, it's important to list everything you owe. Pull together the most recent bills you received, and enter the total amount due on the worksheet provided below. Be sure to add additional line items as needed. Item Amount Home Mortgage or Rent Car Personal Loans Student Loans Credit Cards VISA MasterCard American Express Gas Card Departme  More...
  • 9. How do I avoid going into debt during the holidays? Views: 19
    Preview
    Terms of Use You want to give gifts to friends and family but without sinking into debt. With a little planning, you can purchase gifts for others and avoid paying for them (plus interest!) for months or years later. Save in Advance Saving in advance offers several advantages over choosing credit for the holiday season. By saving in advance, your money will be earning interest instead of you having to pay it. This will lower your overall cost associated with holiday spending. Second, saving  More...
  • 10. What's a tax refund loan? Views: 19
    Preview
    Terms of Use Tax refund loans, also called instant refund loans , or refund anticipation loans , target lower income consumers, but many other moderate-income families fall victim to these offers, as well. For a loan fee ranging from $30 to $115, you receive a loan for the amount of your refund (usually up to $5,000) within one to two days. When your refund is received in a special bank account set up by the lender, the loan is repaid. Cash-strapped taxpayers have paid outrageous loan, a  More...
All information provided through this site is intended to be accurate. However, there may be inaccuracies from time to time which we will make every attempt to correct immediately. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional.

Rates

Tools and Links

The Link Newsletter

Subscribe for monthly updates!