How to get a Personal Loan - Man on a computer applying for loan

How to Get a Personal Loan: How to Qualify and Get a Low Rate

By Bill Fay | October 4, 2017

Once in a while, situations arise in which you might need a substantial chunk of extra money, but don’t have substantial collateral – house, car, property of some kind –…

Credit Monitor

Credit Monitoring Services

By Devin Joy | September 20, 2017

What is a Debt Management Plan? How can it help? A debt management plan is NOT a loan.  In a typical program, debt management companies work with creditors on your…

Secured Loan

Secured Loans

By Bill Fay | August 14, 2017

What is a Secured Loan? A secured loan refers to a loan contract in which the borrower puts up collateral (like their home or car) to acquire immediate cash. They…

Unsecured debt and what it means

Unsecured Debt

By Max Fay | August 7, 2017

Unsecured debt is any debt that is not tied to an asset, like a home or automobile. This most commonly means credit card debt, but can also refer to items…

Personal Loan Agreement Options

Personal Loan Options

By Bill Fay | June 16, 2017

What Are Personal Loans? Most personal loans lack collateral – property that can be taken if the borrower defaults – so they rely on the integrity of the borrower to…

What to know about upside down car loans

What Is An Upside Down Car Loan?

By Bill Fay | June 5, 2017

Being upside down on a car loan happens when you owe more than the vehicle is worth. In other words, you have negative equity. Upside-down loans are almost inevitable –…

Poor Credit Report

CFPB’s Deal with Credit Bureaus Could Raise 12 Million Scores

By Bill Fay | April 4, 2017

The Consumer Financial Protection Bureau, which prides itself on being the watchdog for U.S. consumers, has been snarling at America’s three major credit bureaus for a while and finally decided…

Loan Agreements With Family And Friends

By Bill Fay | October 19, 2016

Friends, family, and financial institutions may have more in common than you think. According to the Census Bureau’s 2022 Household Pulse Survey, over 25 million consumers had to lean on…

Scanning the EMV Card

Walmart Ahead Of Competitors With EMV Cards

By Bill Fay | October 7, 2015

While most retailers in the United States struggle to catch up to the new EMV chip technology for credit cards, Walmart has been ready for nearly a decade. The nation’s…

Credit Scores Image of Woman

Credit Scores Going Up … Without Any Help From Consumers

By Bill Fay | October 13, 2014

The average credit score for American consumers is at an all-time high, but will almost surely go higher within the next year as credit bureaus and government tinker with one…