Credit, Loans & Mortgages

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  1. What's a better way to borrow money: overdraft or credit cards?

    Overdraft and credit cards will allow you to spend more money than you have, but whichever option you choose, be sure to ...
  2. 4 Unexpected Things That Lower Your Credit

    It's important to maintain a good credit score. Discover what could be lowering it without your knowledge.
  3. Consumer Protection Laws You Need to Know

    Knowing these which consumer protection law can help you in particular situations can save you time, money and stress.
  4. Understanding Mortgage Impound Accounts

    Home buyers with low down payments may get stuck with higher mortgage payments. Find out what you get for the extra money. ...
  5. Homeowner's Insurance

    Homeowner's insurance is a form of property insurance that covers losses and damages to an individual's house and to assets ...
  6. Tips to Build and Maintain a Good Credit Score

    A good credit score is key to financial well being. Here is how you can build and maintain one.
  7. Can Sallie Mae loans be forgiven?

    Understand the difference between private and public student loans. Learn if Sallie Mae loans can be forgiven and if other ...
  8. When is a balance transfer a good idea for paying off debt?

    Learn the best situation in which to do a balance transfer, enabling you to pay off your credit card debt more quickly while ...
  9. How do balance transfers affect my credit score?

    Learn the ways a balance transfer can negatively and positively affect your credit so you can pay off debt while maintaining ...
  10. 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 ...
  11. How is interest charged on most lines of credit?

    Learn how most financial institutions calculate interest on lines of credit by using the average daily balance method and ...
  12. Credit Score Ranges: What Do They Mean?

    Take a closer look at what credit scores in each range mean for your financial future.
  13. Getting Your Kids Their First Credit Card

    Putting some plastic in your children's wallets may actually help them - if you do it right.
  14. 9 Reasons To Say "No" To Credit

    Instead of rationalizing, learn to talk yourself out of buying things you can't afford.
  15. What is the difference between a savings & loan company and a bank?

    Find out how a savings and loan company, sometimes also known as a thrift or savings institution, focuses on different types ...
  16. Fannie Mae: Loans, HomePath & All You Should Know

    Fannie Mae (officially the Federal National Mortgage Association, or FNMA) is a government-sponsored enterprise (GSE) – that ...
  17. 6 Benefits of Increasing Your Credit Limit

    If you can resist the urge to overspend, then raising your credit limit could benefit you in various ways.
  18. What does it mean when interest "accrues daily?"

    Find out what it means when an interest-bearing account accrues interest daily and how different compounding periods change ...
  19. How long does it take for items to show up on my credit report?

    Find out how long missed payments, collections and requests for credit take to show up on a credit report and how often most ...
  20. How will debt settlement affect my credit score?

    Learn how a debt settlement arrangement, though sometimes the best option to eliminate an outstanding debt, can negatively ...
  21. What are the best ways to rebuild my credit score quickly?

    Repair your credit score more quickly by talking to your lender, increasing the credit limit on your existing credit cards ...
  22. What are the biggest factors that can affect my credit score?

    A credit score is a numeric expression that helps lenders estimate the risk of extending credit or loaning money to people. ...
  23. When is it a good idea to take out a loan to invest?

    The only time it makes sense to invest a loan is when the return on investment of the loan is high and the risk level of ...
  24. Reverse Mortgages: No Longer a Loan of Last Resort

    In the right circumstance, a reverse mortgage can be an effective financial planning tool.
  25. How long does it take a check to clear?

    It usually takes two days for a check to clear, but in some cases it may take longer. Discover how banks treat large deposits ...
  26. Is it possible to get a free credit report from Equifax?

    Learn how you can receive a free credit report from Equifax, and discover what you need to do so you can view your free annual ...
  27. What are some examples of simple interest loans?

    Learn about two common examples of simple interest loans. Understand what simple interest is and learn why it's important ...
  28. 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 ...
  29. What is a Ginnie Mae security?

    A Ginnie Mae, or Government National Mortgage Association security, functions similarly to the process of lending someone ...
  30. How do mortgage lenders check and verify bank statements?

    Find out how mortgage companies verify your bank statements for mortgage approval. The lender sends a form to your bank requesting ...
  31. Are Sallie Mae loans considered federal loans?

    Identify the differences between federal and private student loans, explore the qualities of each type of loan, and find ...
  32. What are the differences between delinquency and default?

    Find out more about loan delinquency, loan default, and the difference between a loan borrower defaulting and being delinquent ...
  33. How can I tell if a loan uses simple or compound interest?

    Learn the differences between simple and compound interest and how you can use mathematical calculations and lender disclosures ...
  34. Can I use a prepaid credit card to pay bills or to transfer money to other accounts?

    Learn how prepaid credit cards enable convenient bill payments and transfers. Explore different fees charged for such transactions.
  35. What is the difference between available credit and credit limit?

    Explore the difference between available credit and credit limit and the implications different account balances have on ...
  36. Will having several credit cards hurt my credit score?

    The manner in which you use your credit cards may affect your credit score more than the number of credit cards you own will.
  37. Consumer Financial Protection: In Need of Protection

    Opponents of the agency contend that the CFPB lacks accountability; it's defenders beg to differ.
  38. How Many Mortgage Lenders Should You Apply to? (FICO)

    Applying to multiple mortgage lenders can get you a better deal, but it comes with a few drawbacks.
  39. How do mortgage lenders verify employment?

    Discover how mortgage lenders confirm your current employment situation, even if self-employed, and learn what types of information ...
  40. How Interest Rates Work on Savings Accounts

    Here's what you need to know to grow your rainy-day fund.
  41. How can a creditor improve its Average Collection Period?

    Read about some of the ways that a business can improve its accounts receivable management practices to shorten its average ...
  42. 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 ...
  43. Is a home equity loan a good way to pay off my credit card debt?

    Learn about the characteristics of a home equity loan and how it can be used to help you pay off your outstanding credit ...
  44. What are the most common reasons credit limit increase requests are declined?

    Learn about reasons why a request to increase the credit limit on a credit card may be declined, and find out which factors ...
  45. What does it mean when advertisers say that "financing is available"? Should I trust them to give me a good deal?

    When an advertisement says "financing," it means that the seller is going to give you a loan on an item that you purchase. ...
  46. What is the difference between "closed end credit" and a "line of credit?"

    Find out about the difference between closed-end credit and lines of credit, and how both closed- and open-end credit is ...
  47. What's the difference between a secured line of credit and an unsecured line of credit?

    Discover the differences between a secured line of credit and an unsecured line of credit, and why lenders treat the two ...
  48. What are the pros and cons of overdraft protection?

    If you sign up for overdraft protection and link your checking account to your savings account, a credit card or an overdraft ...
  49. What is the difference between a non-recourse loan and a recourse loan?

    With both types of loan agreements, the collateral is seized upon default. The difference between both lies after the collateral ...
  50. What is the difference between continuous compounding and discrete compounding?

    Learn to differentiate between and calculate the continuous and discrete compounding formulas for interest-generating investments ...
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