Credit Repair For Free!

There are times when a good quick loan is the best, and probably the only solution to a financial problem. Even when you have your personal finance managed properly, you may still come across an unexpected expense that creates a gap in your monthly budget. Thankfully, banks and other financial institutions are now offering several interesting quick loans that you can use to fill the gap very easily.

Payday cash advance is one of the best loans to take out when it comes to filling an urgent financial gap. You can complete the entire application process and get the money you need transferred into your bank account in a matter of hours – the process can sometimes takes even less than an hour – which means you will be able to solve your financial problem almost instantly.

If you have credit cards, you can also make a cash withdrawal to get the money you need. Rem Read full article…

Tags: best loans

Here’s an email I got today from Jennifer.

Jen and Ken filed bankruptcy in February 2010. Because Jen’s bankruptcy does NOT show on her credit report, her credit score is much lower than Ken’s.

( Jennifer and Ken are not their real names.)

If your after bankruptcy credit rpeort isn’t right, we’ll work with you on dispute letters to the credit bureaus. If letters don’t work, we’ll sue.

“Mr. Weed:

“Our discharge was a one year ago in June 2010. When we tried to buy a car back in December 2010, the Chapter 7 discharge was not on my credit report. I pulled my credit a few days ago and the discharge is still not showing, many account are marked as delinquent and my score is terrible. I filed several ‘disputes’ with Equifax but this could take up to 45 days. Why is the discharge not on my credit report? What can I do to fix this?? I am very frustrated that my credit looks terrible. The discharge Read full article…

Tags: Credit Report, Report

Chase launched an exclusive offer today that comes with a whopping $150 cash back.

This special Chase Freedom Visa credit card allows you earn $100 cash back after making $500 in qualifying transactions during the first 3 months from account opening.

Qualifying transactions include purchases, balance transfers, and any checks that are used to access your account, but excludes cash advances.

Additionally, if you execute a balance transfer within 30 days of account opening you’ll earn another $50 cash back.

So if you balance transfer $500 when opening this credit card, you’ll earn $150 cash back, which could offset the balance transfer fee entirely, which is 3%.

Quick example:

Balance transfer amount: $2,000 Balance transfer fee: 3%

The fee here would be $60, but you’d earn $150 cash back, so you’d net $90. It’s pr

Read full article…

Tags: 150 Cash, 150 Cash Back, Back, Cash Back

When you file bankruptcy, your creditors are required to leave you alone.

Section 362 of the bankruptcy law automatically tells them to stop any action or act to collect a debt from you.  They can’t call, they can’t send bills, they can’t take you to court.

But what if they don’t stop?  Should we remind them nicely?  Or just sue?

Here are the rules I worked out after handling twelve thousand bankruptcy cases.

When a creditor keeps calling after your bankruptcy is filed, here are my rules on when we should sue.

First, we give everyone a pass for the first two weeks.  It takes a while for the court to send them a notice of the bankruptcy, for the post office to deliver it, and for them to update their records.  Two weeks seems fair for all that.

Second, we only sue if you are mad.  Suppose they call, and you tell them to stop; and they stop.  If your feeling is “no harm, no foul,” then that’s fine.  If you are upset or angry–ma

Read full article…

Tags: When, When Sue

When you apply for conventional loans, you need to take care of a lot of things. You need to take time out for preparing documents and making sure everything is in the right place, as you want to be qualified. Or else you may end up being shown the door by the lending organization. Till your loan gets approved, you are always carrying the pressure of what would be done, in case of a rejection. However, the same doesn’t work in the application process of auto title loans.

Auto title loans are quite simple in all the aspects, if you compare the same with a conventional loan. Let us check out some of the reasons, why it has an edge:

Minimal documentation required: Auto title loans only need you to have the paper of your car (the bluebook) with you to know the amount that you will be eligible for. It is unlike the immense count of papers, which are needed for a conventional loan.

No Credit Score Check: Irrespective of what your credit score is, you are approved for the loan. Read full article…

Tags: auto title loans