Unlike a mortgage or a auto loan, a personal loan can be used for almost any purpose. It’s set up for a specific length of time at a fixed interest rate which is typically lower than most credit card APRs. Many banks and credit unions offer personal loans and now there is a whole new market of peer to peer lending networks established by companies like LendingClub and Prosper. Read More.
There are many consumers holding too many credit cards. This may be because they’ve signed up for new cards for the offers or they’ve accumulated credit card debt and opened a few additional ones to survive. Whatever the case, this may be the year to consider closing a few accounts. This can be achieved, but act with caution. Read More.
This is a common question that frequently crosses our desk. Individuals with credit card debt often consider withdrawing from their retirement accounts to pay down debt. While this may seem like a simple decision, there are many factors and costs to consider before withdrawing. Read More.
One of the hot topics the past few years relates to credit, since it is so difficult to obtain these days. It is quite possible that certain actions you have taken or are thinking about taking now, will hurt your credit score. Find out what they are. Read More.
Over the years, you may have accumulated several credit cards ranging from traditional ones to those issued by gasoline companies and department stores. Some of those cards may hardly be used since you only opened those accounts for the original discounts. Now, you are thinking about closing the accounts for a few cards. Before you do this, act with caution. Read More.
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