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Bad Credit Credit Card - How To Increase Your Credit Score With Credit Cards

Credit cards are often the first step for a consumer to build their credit score. When you make regular payments with a small credit limit, lenders will be more willing to lend you larger amounts. Before you jump out and open an account, make sure you don’t have too many credit lines open or otherwise hurt your credit.

Pick A Good Card

Credit card companies offer several different types of credit cards for consumers. You can find student programs that require no co-sign...

credit card

Credit cards are often the first step for a consumer to build their credit score. When you make regular payments with a small credit limit, lenders will be more willing to lend you larger amounts. Before you jump out and open an account, make sure you don’t have too many credit lines open or otherwise hurt your credit.

Pick A Good Card

Credit card companies offer several different types of credit cards for consumers. You can find student programs that require no co-signer or income. This is a great offer for your first card, but these cards also have higher rates.

You can also find cards with cash back rewards or other incentives. The trade-off are higher rates though. However, you can find no frill cards with low interest rates if you plan to carry a balance. Whichever credit card program you choose, make sure it fits with your financial goals.

Start Small

When you are building your credit score, you want to start small. Open one account and use it at least once a month to make a purchase. This can be a regular purchase that you have cash to pay for. The point is to use your credit and then repay it. Every time you make a payment, it will show up on your credit report.

Lenders will also look at how often you make payments. So using your card once a year and paying off the entire balance that month won’t do you much good. Your credit report covers three years’ worth of payment history, and lenders want to see your payment pattern.

Don’t max out your card either. Only use a small portion of your credit to show lenders that you don’t get yourself into financial binds.

Maintain Your Credit

Regular payments are only one part of your credit score. You also want to keep your credit in good order. If you have dozens of accounts open, close the ones you don’t use. The less open credit you have, the more you will be eligible for, a bonus when buying a home or car.

Also be sure to take advantage of your annual free credit report. Look over it to make sure that your credit history is correct. If you find any discrepancies, resolve them with your lender.

 

Bad Credit Loan -- How to Get the Best Interest Rate

If you have bad credit and need a loan, what you don't know CAN hurt you! Following this simple advice could end up saving you a small, or even a large, fortune.

bad credit loan, bad credit auto loan, bad credit personal loan, bad credit car loan, bad credit home loan, bad credit loan mortgage, bad credit home equity loan

Bad credit loans are in high demand. And if you do any research on “bad credit loan”, you’ll find plenty of advice on how to get the lowest interest rate. You’ll also find plenty of people willing to give you a bad credit loan, but you’d be making a mistake to accept it.

Unfortunately, most of what you’ll find approaches the problem from the wrong direction. The way to get the VERY best interest rate on a bad credit loan is usually overlooked or concealed altogether.

But before we continue, let’s digress briefly and look at how significantly the higher rate for a bad credit loan affects the borrower.

Let’s say you want to buy a house, but have bad credit. No matter how diligently you shop for a lender, you’re still be charged a higher interest rate for a bad credit loan than if you had good credit.

With good credit, you might get a mortgage loan at 6% interest. But a bad credit loan will cost you closer to 12%. Assuming you get a $100,000 mortgage over 30 years, the difference you’d pay in interest amounts to a monstrous $154,461.60 MORE because you have bad credit. That’s over 1½ times the loan itself!

Now getting back to our original problem, how can you get a better interest rate for a bad credit loan? The answer is probably not what you were expecting.

The solution is to “think outside the box.” The way to get a bad credit loan with the best interest rate is to NOT get one! Instead, spend a couple of months fixing your bad credit, and then look for a “good credit loan” instead.

This answer probably comes as something of a shock to you. More than likely, several objections to this approach will come to mind.

1. “I need a loan NOW” or “It’s not worth my while to wait until I repair my credit.”

Oh really? Well, is it worth a savings of $150,000 or more? Granted you may not be looking for a $100,000 loan. But even if you want to borrow only $10,000 or so, the better rates you’ll enjoy with good credit will still save you several thousand dollars.

2. “Fixing my credit will take too long, or it just isn’t possible.”

It’s often possible to make very a significant improvement in your credit rating in just a few months, and in some cases as little as 30 days.

3. “I don’t know how to repair my credit and can’t afford to hire a credit repair agency”

For a fraction of the cost of a professional agency, you can purchase a good book on credit repair that will walk you through the whole process.

4. “Do-it-yourself credit repair is too difficult” or “I don’t think I can repair my own credit”

Don’t be intimidated by the idea of fixing your own credit. If you can write a few letters, address, stamp, and mail them you can repair your own credit.

Your decision comes down to this; you have two choices.

1. You can spend some time (maybe a LOT of time) shopping for a bad credit loan with the lowest possible rate, and still end up paying thousands (even tens of thousands) more in interest.

2. You can spend some time fixing your credit and spend those thousands on your family’s needs, instead of paying them to your lender.

Do you really think your lender needs your hard earned money more than you and your family need it? Anybody can work on fixing their own credit. That’s right, anybody!

Get a good book on credit repair and get started TODAY!

(c) 2005 eBusiness Power

 

Bad Credit Loans And How To Get One

Bad credit can really put constraints on your ability to borrow money. With poor credit the only option is bad credit loans. Such loans are aimed at protecting the lender, not giving you the best deal.

A traditional loan for someone with good credit is usually constructed in a way that makes it very reasonable and fair to the borrower. A bad credit loan, however, is set up to protect the lender since poor credit makes you a liability and a risk.

Bad credit loans are als...

bad credit loans,debt,secured loan,consolidation,finance,money

Bad credit can really put constraints on your ability to borrow money. With poor credit the only option is bad credit loans. Such loans are aimed at protecting the lender, not giving you the best deal.

A traditional loan for someone with good credit is usually constructed in a way that makes it very reasonable and fair to the borrower. A bad credit loan, however, is set up to protect the lender since poor credit makes you a liability and a risk.

Bad credit loans are also not very easy to find. When you do find one you will end up paying very high interest rates and most likely many fees. There are secured and unsecured bad credit loans.

Secured loans involve putting up collateral for the loan. Collateral is an asset that you are essentially giving to the lender to hold so that if you should default on your loan they take possession of the asset and use it to pay the loan balance. Unsecured loans, on the other hand, do not require collateral.

Obviously, a lender is more likely to offer a secured loan. This type of loan guarantees that they will get at least part of their money back should you default. There are some unsecured loans, but they can be especially hard to find.

When searching for bad credit loans it is important to shop around. Do not submit applications, though. You should look at the terms and just gather information when shopping around.

Once you start to submit applications your credit will be checked and this will actually lower your credit score. If you submit too many at once it puts a red flag on your credit to lenders. They see it as you are trying to borrow too much money and will likely turn you down due to this.

You want to look at the terms and conditions for a bad credit loan. You want to check out the interest rates and other fees. The goal is to find the lender who can offer the best interest rates and the lowest fees. You will save money by finding the lender who can offer you the best terms.

Poor credit loans are seen as very risky in the lending industry. A person with bad credit has defaulted on credit obligations in the past. They have shown they do not stick to contracts. A lender prefers to deal with someone who has some record of keeping their credit obligations.

However, in todays world, where credit seems to be essential, lenders are realizing that a few past mistakes do not mean a person is not credit worthy. That is why poor credit loans are an option.

All you need to do is shop around and look for lenders who are willing to take a chance. Once you secure a loan, make sure keep up with your obligations so the next time you need a loan you can qualify for a traditional one.

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