Has this ever happened to you? You and your spouse are eager to buy a car or a home, you jump online to one of the plethora of credit monitoring websites: www.myfico.com www.creditadapter.com www.creditdiagnosis.com www.freescore.com www.privacymatters.com www.truecredit.com www.transunion.com www.equifax.com www.familysecure.com www.freecreditreport.com www.freecreditscore.com www.experian.com www.identitysecure.com www.privacyguard.com www.creditkarma.com You get your credit … [Read more...]
Transferring balances: Good idea or “Robbing Peter to pay Paul?”
An article by BudgetQueen You get that offer in the mail from either your credit card or a new credit card to transfer an existing balance with no APR for several months. You think to yourself: “Yes, I do pay a lot of interest every month on my credit card. What if I transferred the balance to the new card? What can it hurt?” Well I am here to discuss the ins and outs of balance transfers. Yes, I have done it as well. I have done it successfully, but I have also noticed the little traps that … [Read more...]
Your Guide To Get The Best Car Loan Rates
Are you looking to purchase a new car soon? A car loan can be a big decision because of how much money it costs based on the interest rates. It is important that you do your research and find out which banks are offering the best rate to make the car loan affordable. How can you get the best car loan rates? Here are some tips that can help:Determine how much you can afford to spend. To get the best rates you have to know what your budget amount is. If you try to get a loan that is too expensive, … [Read more...]
So why do I need good credit anyway?
An article by BudgetQueen When I was car shopping once, I wanted to test drive a car. I look really young for my age and I was dressed in a t-shirt and jeans and I think that the salesman thought that I was wasting his time. He even had the nerve to say, “Are you really interested in this car?” before he went to the effort of getting the keys. I was amused. He didn’t know I had wanted this car, researched this car, and saved up for this car for four years. Later the guy came back to me with … [Read more...]
How do I improve my credit? The very basics
When I was 19 I had horrible credit. I had trouble renting an apartment and later buying a house. Flash forward just a few years later. I was buying a car and the salesman said, "Did you realize that you are in the top 3% of credit scores?" How did things change for me so drastically? Let me tell you my secrets. Improving your score is very possible. Like proper sun, good soil and the right amount of water for a dying plant, you will need patience and discipline for your credit score. Own … [Read more...]
