Debt Guru

MARCH 6, 2020

Use the same formula that lenders rely on when evaluating a loan application. The result is a percentage that determines your creditworthiness – in short, if lenders believe you’ll be able to repay the loan. Keep in mind that your ratio typically excludes mortgage and student loans. You could afford to shoulder more liability.

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Credit Corp

OCTOBER 25, 2023

Key takeaways: Credit card consolidation involves combining multiple credit card balances into one. Types of credit card consolidation include credit card consolidation loans, balance transfer credit cards, home equity loans, HELOCs, retirement loans, cash-out auto refinance, family loans, and debt management plans.

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Collection Industry News

FEBRUARY 21, 2022

If you’re struggling to repay high-interest credit card debt, keep reading to learn about three strategies that could help you get out of debt fast. You can also compare a variety of financial products, from balance transfer cards to debt consolidation loans , on Credible’s online marketplace. 3 ways to get out of credit card debt.

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Better Credit Blog

APRIL 11, 2022

Some examples of debt are mortgages, credit card dues, and personal loans. Although accruing lots of debt isn’t ideal, it may sometimes be unavoidable, such as mortgage payments or student loans. If you’re past due on your card and loan payments and your grace period has ended, it may go to collections.

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Debt Guru

JUNE 3, 2020

Reach out to a credit counseling agency. Your credit counselor will likely get you a lower minimum payment and lower interest rates. A possible negative is that when you’re working to pay down a DMP, you won’t have access to your credit cards. The complication is that you typically need good credit.

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Credit Corp

MARCH 16, 2021

Having a bad habit of using credit cards to buy what you can’t afford. Not paying credit card bills on time. You have a habit of exhausting your credit limit quickly Whenever you are short of cash, you tend to take out a high-interest loan. How many credit cards and unsecured loans do you have?

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