Never sign an agreement or contract that you don't understand. Instead, take your time and read through it again or ask someone to explain what the terms mean.Signing a loan agreement says yes to certain terms in exchange for the money. If you don't fully understand what these terms are, you could be tying yourself up in unfavorable terms without realizing it.Credit agreements and loan terms can be confusing or baffling to many people – and for a lot of ...
5 Simple Steps to Improving Your Credit Score
When you apply for finance and are told your credit score is poor, you need to investigate why. Most people know it’s a skeleton in the closet: a debt they knew they had but didn’t pay. For others, there is not immediately a valid reason for a poor credit scoreWhichever is the case, it is essential that you take steps to improve your credit score and keep it healthy. Then you can access loans and other financings easily.What is your ...
Can You Get an Interest-Free Credit Card?
It seems that getting a credit card is easier today than ever before. Banks seem to hand them out arbitrarily. For many people, a credit card is permission to go on a shopping spree.Before they know it, they’ve reached their credit limit, and the money they’ve borrowed needs to be repaid.A credit card is like any other loan. You’re offered a line of credit. If you spend against it, you have to pay the money back. And repayments are often ...
Why Did My Credit Score Go Down?
Credit scores seldom stay the same, fluctuating all the time is normal. If you notice a drop in your credit score, there are a number of explanations as to why it has dropped. It is not something to be concerned about.Many factors can affect your score like defaulting on loan repayment or even being approved for a new loan or new credit card.Let’s take a look at 6 reasons why your credit score may have dropped:1. You Have Missed A ...
How to Qualify for New Credit with No Credit Score
It is a very difficult position to be in when you don’t qualify for new credit because you don’t have a credit score and you can’t get your credit score because you have no credit history. It’s a typical catch-22.All is not lost, however, since banks know the struggle it can be to get a credit card for the first time. To get a credit score, you will need to have an active account for at least six months on ...
What’s the Difference Between Free and Paid Credit Reports?
Your credit score can affect a variety of things in your life from applying for a home or personal loan, buying a car on finance, any insurance and even applying for a new job. That is why it’s important to ensure that your credit report is correct and reflects your finances accurately.Check your credit score and credit report at least once a year to ensure everything is correct. You can find free credit reports online to keep up to date ...
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