Recent content by AlyssaGarcia

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    How to rebuild your credit score

    Informative post, thanks for sharing.
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    Could i lose my home over credit card debt?

    Here is a link that can answer your question https://www.creditcards.com/credit-card-news/lose-house-over-card-debt.php
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    What to do in case of credit card fraud?

    Contact your credit card company. Change your online passwords. File a police report. Keep a check on your credit card and bank statements.
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    How many credit cards do you have?

    'Welcome to the forum Ohm!!' :) Well, I own 2 credit cards only. I think there is nothing such as having too many credit cards as long as you ca handle them efficiently. Just make sure that each balance is paid off every month to avoid late fees and high interest charges.
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    Do you use identity theft protection?

    Yup, this is a good suggestion.
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    First car loan, got 7.8% is that good?

    I would say you got a good deal, magnum.
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    Family swap

    Talk to the bank officials, they will be able to guide you in a better way.
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    Securaloan - did anyone use them before?

    If you think it offers good services based on the online reviews, then you may opt for their services. Request quotes and make a thorough analysis.
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    Personal loan or business loan?

    I think it is wise to keep your personal and business affairs separate. Going for business loan makes it easier when filing taxes and interest deductions. Plus the loan amount is comparatively higher than personal loans.
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    What is gap insurance?

    Gap insurance covers the difference between your vehicle’s worth and how much you owe on the car. The insurance helps if your car is stolen or totaled (repair cost is more than the car is worth).
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    Mortgage insurance alternatives?

    Scooby, there are other optionshere is a link that can help you - https://www.zillow.com/mortgage-learning/avoid-pmi/ Let me know if it helps.
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    How to compare loans?

    Contact a mortgage lender in your city. He/she can guide you in comparing all loans that you are eligible for.
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    Does lendup approve people with bad credit?

    whats your credit score?
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    What does rollover a payment mean?

    In short, rolling over a loan payment means you pay a fee to delay paying back the loan.
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    Ways to pay off debt

    I think the main point should be to set a budget. Consider your last month’s expenses from bank or credit card statements. To organize your expenses, you can use an excel spreadsheet. Create categories for each expense in order to set a limit for that category, and also list your income.
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