The Costs of Owning a Car

You have a good job and you are getting a decent income. You feel independent and happy that you are actually accumulating more money than you are actually...

How to Fix Unmanageable Debt

It is not a pretty sight to see debt collectors knocking on your door, calling you day and night, taking your car away, or even seizing your home. What...

How to Erase Bad Credit

Let's say that you suddenly lose your job or have some kind of accident causing some kind of unexpected medical expense. You handled the unexpected road bump well...

Applying for a Loan

Applying for a loan should not be so difficult if you have solid credit card history. Difficulty on actually receiving a loan will depend what kind of loan you...

Tricks to Improve Credit Score

So you came here to learn some tricks to improve your credit score? Good for you! What I'm about to share with you are some common tricks that...

The Bank Point System

As stated in an earlier post, banks use some kind of point system to classify and determine whether or not you can be a good borrower. Banks understand that...

Why Banks Lend Money

Do not forget the fact that banks are businesses and make money through interests, fees, and other service charges. Banks will happily give consumers loans knowing that they...