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Fix Mistakes to Improve Your Credit Score

by Dylan

fix and improve scoreMost of us just go ahead and pay our bills on time, borrow money as we need it, pay it off as quickly as we can, and we simply assume that our credit score is just fine, because after all, you are current on all of your bills, right? This is most certainly not always the case. Mistakes on one’s credit score really occurs on far too frequent of a basis. Most of the time people don’t even realize that there is a mistake on their credit report until they try to go get a loan.

There are four primary reasons for mistakes in credit scores. The first one is that whichever company may just have made a mistake. A company may have continued to bill you after you cancelled a service, or they might have reported the account name incorrectly. Secondly, you can quite easily find yourself signed up for stuff that you may have simply forgotten about, such as that credit card you got in college because they gave you a free t-shirt. Finally, there’s always the possibility of identity theft. Someone may have fraudulently opened an account in your name, and are stealing money from the bank. Sometimes misbehaving credit collection agencies will report people that they shouldn’t, and try to use your credit report to blackmail into getting you to pay. There are a bunch of reasons your credit report could be inaccurate. Whatever the reason, you need to get them cleaned up!

If you find a mistake, you need to dispute that information. There are two ways that you can do this. The first thing you need to do is contact the person reporting that information via certified mail, return receipt requested. If they have made a genuine mistake, they’ll probably just retract the information from the credit report. If they do this, get a letter from the bank exonerating you of any charges so that in case it comes up again, you can prove that you paid it.

If the company just happens to blow you off, fortunately you have an alternative route. You can report to the three major credit agencies that the information is inaccurate. The Federal Trade Commission recommends that you go to the websites of the three major credit reporting agencies, fill out an online form and explain why there is an error. The company will then have 30 days to prove the debt is accurate, otherwise if they ignore the inquiry or do not have valid reasoning, the information will be taken off.

In the unfortunate event that you have become a victim of identity theft, you need to take care of it immediate. You need to file a police report, and then start calling each of the companies that think you owe them money and sort through the situation. You also need to put a fraud victim alert on each of your three credit reports so that no more money can be stolen with your identity.

Online loans for poor credit

by Dylan

What qualifies as poor credit? Credit scores can be confusing, upsetting, and downright annoying. And even if you know your score what does it mean to have poor credit? A credit score of 649 and below is generally accepted as bad or poor credit. This limits your options of refinancing a loan, getting a great deal on auto insurance, and even raises your interest rates. But just because you may have a bad credit rating doesn’t mean it has to be the end of the world. There are online options for individuals with a less than satisfactory credit ratings.

PersonalMoneyService.com is one such place that offers loans to people with poor credit. They recognize that hard times will hit someone at some point in their life and they want to help. So their service is more about finding the right lender for you that will be able to give you the loan you need regardless of credit score. They offer a couple different options to match your needs these include; short term loans, business loans, personal loans, and installment loans. You can fill out the application form online and have money as soon as the next day.


Rptia.com is another option for those with poor credit. Not only do they offer loans to those in need but they say that they can help rebuild credit because they report to credit reporting agencies. The options they offer are plentiful, with car loans, cash advances, title loans, personal loans, and they even offer debt help. They have testimonials stating how helpful they have been and have articles that could help you understand debt and poor credit and how to cope with them. You can apply online quickly and get results within a day.

Okaycreditloan.com is a site that recently made news for the onset of its promotion of small loans of up to $5,000. But upon furthering inspection of the website there are numerous other options to pick from and they advertised up to that amount for small personal loans because it was the most financially advantageous for people in need. Like the other sites mentioned here, you can be approved of a loan within a day as long as you meet the requirements. Bad or poor credit isn’t going to be a reason for them to reject you. They also offer advice on their site and have the lane open for any questions you may have.

All of these sites are a good choice for those dealing with the hardships of poor credit. There are other sites out there if you choose to stay online and look for loan lenders and options. This list is just a short introduction as there are many options that can be taken online in pursuing a short term loan. There was one disclaimer every site mentioned that these are only short term and will help with bills right now and not for long-term financial security. However they are great options for those with poor credit in need.

Easy To Get Cash Loans

by Dylan

Easy To Get Cash LoansObtaining cash for a series of bills that you have coming up can be difficult to do if you do not have access to a line of credit. If you have good credit, you have the option of contacting a bank that may consider lending you the money, especially if you already have a mortgage with their company. For those that are in situations where you do not have enough money, and you are unable to borrow from friends or family, a payday loan businesses exactly who you need to contact in order to get the cash that you need.

Is It Hard To Obtain Quick Cash Loans?

It’s actually very easy to obtain a quick cash loan if you are able to work with the right company. Many people do not understand that these businesses are designed to work with generally anyone, even if they have the worst credit imaginable. They are focused on only determining if you have a paycheck coming, and how much the paycheck is for. Based on that amount, they will either approve or disapprove your request, but in most cases you will get the money that you are trying to obtain. The question that most people ask at this point is which company will actually provide the best chance of getting a loan approved. The answer to that question is based upon what previous customers have said about the many companies that are available.

Which Companies Are The Easiest To Work With?

The businesses that are the easiest to work with are those that have the best reviews. It’s just like any other company that you trust online. The reviews that people post about how good or bad a company is can motivate people to use them, or look for another company to do business with. After you have done a little research, it will be very easy for you to locate a company that will give you the best possible chance of getting the funding that you need. After you have been approved, you will be glad that you did this research so that you could find the best company.

After you have selected a business to work with, and you have submitted your application, it takes about 24 hours to get an answer back. In most cases, if your request was reasonable and less than the amount of your up-and-coming paycheck, you will have money deposited into your account using one of these quick cash loans businesses available online.

Need Quick Cash?

by Dylan

Need Quick Cash?Are you in need of fast cash? If so, there’s a variety of options available to you that can help you in this situation. In this guide, we’re going to cover some of the most popular solution to this problem – so let’s take a look.

Option 1 – sell stuff

There’s no denying that selling the items you have lying around your home, if you no longer need them, is a great way to generate quick cash, so whether you have some expensive clothing or high-tech items such as digital cameras or a spare laptop, this can be a great way to raise quick cash.

Option 2 – take out fast cash loans

If you aren’t interested in selling any of your personal items, and you have a steady job which gives you a reliable wage at the end of each month, then taking out fast cash loans is often the best solution to your problem.

You will frequently be able to obtain anywhere from $200-$2000, and you will often be capable of receiving the money on the very same day as the application. Gone are the days when loan applications took a long time – so these days the entire process can be done in a single day, and the money will be waiting in your bank account the very same evening.

Finding an appropriate service or lender that will allow you to borrow the money isn’t always easy, but it’s safe to say that there are a variety of credit unions available, as well as payday loan services which are quick and easy to use online.

If you have a large purchase to make, or perhaps needs emergency cash to pay for medical bills or car repair, then taking out one of these loans is usually the best thing to do.

Option 3 – borrow on credit cards

For people who are lucky enough to have a good credit score, it’s possible to obtain a 0% interest on purchase credit card which will allow you to spend up to the limit without incurring any interest at all. However, you will have to ensure you meet the minimum monthly payments, otherwise you will soon breach the promotional deal and have to pay high interest rates.

Of course, this option is only available to people who have a good credit score and are able to obtain a credit card in the first place. For many people, this option is not as effective as simply taking out a loan, however.