Credit & Loans

  1. What's the difference between a balance transfer and a cash advance?

    Learn how balance transfers and cash advances differ, how these transactions can both benefit and hurt your finances, and ...
  2. What are the pros and cons of life insurance policy loans?

    Find out the pros and cons of borrowing against your life insurance policy to help you decide if this loan type is the right ...
  3. How can I borrow money from my life insurance policy?

    Capitalize on the cash value of your whole life insurance policy and learn the details of how to borrow money from your life ...
  4. What's the difference between a grace period and a moratorium period?

    Find out what grace periods and moratorium periods are, what you have to do to get them and how they can benefit your financial ...
  5. A short article explaining top pros and cons for transfering credit card balanace

    The Pros And Cons Of Balance Transfers

    Do the math before you assume that transferring your credit card balance to a lower rate card will save money. It could – ...
  6. An article explaining the reader when it makes sense to buy home with cash vs taking a mortgage loan. Most time people would think that having the money to purchase the house is better than a mortgage loan but is it always the case?

    Buying A Home: Cash Vs. Mortgage

    If you have the funds, should you buy your home with all cash? Here's how to decide which option – cash or mortgage – makes ...
  7. The 4 Worst Reasons For A Cash Advance

    They're convenient, especially in an emergency. But that's about the only good thing you can say about taking a cash advance. ...
  8. ISAs are financial instruments that allow students to raise funds to pay for their degrees by selling shares in their future earnings.

    Funding Higher Education With An ISA

    ISAs are financial instruments that allow students to raise funds to pay for their degrees by selling shares in their future ...
  9. Car Title Loan Requirements

    Here's a list of what you need to qualify for a car title loan. Most important: having sole ownership of your car with no ...
  10. What are the limits on car title loans? Who sets the limits? A short article that explains somebody who will get a car title loan how the limits on the loan work

    Car Title Loan Limits

    You can usually get 25% to 50% of a car's value - but could pay more in interest than you borrowed if the loan rolls over ...
  11. States That Allow Car Title Loans

    Only some states permit car title loans – and those that do may have restrictions. Check this list to see what to expect.
  12. Benefits of Home Depot credit card

    Costs And Benefits Of A Home Depot Credit Card

    You probably have at least one regular credit card. Does it make sense to get one branded by Home Depot? Here's why you might ...
  13. Basic steps for a buyer to purchase a home

    Steps To Buy A Home

    When you're ready to purchase a home, take these steps to make sure you get a good deal at a price you can afford.
  14. What is the difference between a loan and a line of credit?

    Learn to differentiate between lines of credit and standard loans, and determine when you are likely to use each method of ...
  15. What are the different types of annual percentage ratings (APR)?

    Learn the differences between annual percentage rate, annual percentage yield and effective annual rate to compare interest ...
  16. What are the advantages of using a home-equity debt consolidation loan?

    Learn how to use a home equity loan for debt consolidation, and find out how to take advantage of a home equity loan's lower, ...
  17. Why is APR used to compare long-term loans?

    See what benefits an annual percentage rate, or APR, offers to consumers that other interest rate calculations might not, ...
  18. What's the difference between a credit rating agency and a credit bureau?

    Learn how to differentiate between credit rating agencies and credit bureaus, two industries that distribute valuable risk ...
  19. How do I determine whether a debt consolidation loan is a good debt relief option?

    Determine whether a debt consolidation loan can help you dig yourself out of debt. Learn about the different types of debt ...
  20. What is the difference between overdraft and cash credit?

    Learn about the uses of the terms ''overdraft'' and ''cash credit,'' and how they represent different financial arrangements ...
  21. How do I file a proof of claim against someone who has filed bankruptcy?

    Find out how to file a proof of claim as a creditor when someone who owes you money submits a bankruptcy petition, halting ...
  22. What's the difference between a credit rating and a credit score?

    Learn about the differences between credit ratings and credit scores, and review how these expressions of creditworthiness ...
  23. How can I consolidate my unsecured debt?

    Discover some of the different ways that you can combine your present unsecured debts into a consolidation loan -- even by ...
  24. What’s the difference between overdraft protection and overdraft settings?

    Learn what overdraft settings are, how they impact your relationship with your bank and how they govern the overdraft protections ...
  25. How often can I file bankruptcy?

    Learn about some of the limitations placed on debtors who are considering filing multiple bankruptcies, particularly if the ...
  26. What do the letters / symbols on credit ratings mean?

    Learn about the numbers, letters and symbols used to express credit ratings and credit scores. Understand what these symbols ...
  27. What are the advantages of applying for a private student loan with a creditworthy ...

    Discover how adding a creditworthy cosigner to your private student loan application can help you realize more favorable ...
  28. What is the difference between secured and unsecured debts?

    Learn the differences between secured and unsecured debt; discover how banks buffer risks associated with each type of loan ...
  29. What are the differences between the three national credit bureaus?

    Read about the main differences between Equifax, Experian and TransUnion. Learn why your credit scores and credit reports ...
  30. How do I find a good personal bankruptcy lawyer?

    Read how to find a good personal bankruptcy lawyer, and learn how much you can expect to pay for services if you are considering ...
  31. What's the difference between credit score and credit history?

    Check out the differences between credit score and credit history, and learn how your credit history is used to create your ...
  32. What is the difference between certified and non-certified private student loans?

    Learn the main differences between certified and non-certified private student loans, and see why non-certified student loans ...
  33. What's the difference between debt consolidation and debt management or debt settlement?

    Learn about different ways of handling debt when you become overwhelmed, including debt consolidation, debt management and ...
  34. What's the difference between a credit bureau and a credit rating agency?

    Learn the differences between credit bureaus that report on individuals' creditworthiness and credit rating agencies that ...
  35. Do I still owe debt collectors for a debt that's past the statute of limitations ...

    Learn more about the statutes of limitations that govern certain personal debts and why you maintain obligations as a debtor ...
  36. How do I start building a credit score?

    Find out how to build a credit score, which type of credit score is best to start out with and what the most vital element ...
  37. What is the difference between student loan default and delinquency?

    Learn the differences between simply becoming delinquent on your student loans vs. actually defaulting on your student loan ...
  38. What are the drawbacks to debt consolidation?

    Learn more about the potential drawbacks and disadvantages of combining your debts into a single consolidation loan, even ...
  39. What's the difference between credit reports and investigative consumer reports?

    Learn about the major differences between two types of risk-evaluation reports: consumer credit reports and investigative ...
  40. What are the main categories of debt?

    Learn about the different types of debt available for consumers including secured debt, unsecured debt, revolving debt and ...
  41. Does shopping for the best interest rate affect my credit score?

    Learn about hard and soft credit inquires and how shopping for credit may negatively affect credit scores. Explore strategies ...
  42. What are the pros and cons of consolidating my student loans?

    Read about the possible advantages and disadvantages of consolidating your student loan debts, and find out how to determine ...
  43. What are the differences between revolving credit and installment credit?

    Discover how to distinguish between installment credit loans and revolving credit loans, and learn how they affect your credit ...
  44. What's more important to lenders, my credit score or my credit report?

    Find out why lenders care more about your credit report than your credit score and why you should care more about your credit ...
  45. Which debts are covered under consumer protection laws?

    Discover what type of consumer debts are protected through a variety of federal regulations, and learn how protections change ...
  46. In what states are high-cost payday loans illegal?

    Learn which states permit high-interest payday loans. Explore the maximum rates permitted to be charged on a state-by-state ...
  47. Does every inquiry affect a credit score?

    Check a credit report to prevent an overabundance of hard inquiries and to obtain an overall picture of your credit score's ...
  48. What’s the difference between federal and private student loans?

    Learn about the differences between federal and private student loans, and discover the types of federal funding available ...
  49. What are the differences between revolving credit and a line of credit?

    Understand how to differentiate between a line of credit and a revolving credit account, and find out why business owners ...
  50. What are some examples of credit report errors that I can dispute?

    Discover how to get access to your consumer credit report, identify incorrect information, and communicate with creditors ...
  51. What legal action can I take against a debt collector?

    Find out what legal recourse is available to you as a consumer if you are being harassed by a debt collector that has violated ...
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