The Loan Exchange is one of the fastest growing loan companies today. Started in 2017, the company has seen quite a bit of early success through excellent marketing and a very easy personal loan application process. They take a completely new and innovative approach to the personal loan market that has been working well for them over the past year. So why chose The Loan Exchange? This can be summarized in one word: simplicity. They offer much of what every other loan company offers, but just make things easy for the customer. We finally had time to thoroughly review the site and company to see ..read more

Many people have asked what we feel is a good credit score. While some of us have our opinion on what we feel is a “good” credit score, this is very subjective. A good credit score is normally defined by the creditor when applying for credit or a loan. As a rule of thumb, the following should be used as a guideline to determine what is good credit: Excellent Credit: 750+ Good Credit: 700-749 Fair Credit: 650-699 Poor Credit: 600-649 Bad Credit: below 600 In this article, we are just going to briefly touch on what each credit category means, and what you can do with it. Each range will unlock ..read more

If you have bad credit, it is still very possible to obtain an auto loan. The problem is not everyone out there has the intent to help you with that. Some offers may seem amazing at first glance, but if you look at the fine print, you may be getting yourself into an even worse financial situation. There are a few items that you need to look out for when completing an auto loan if you have bad credit. The most important thing to look at would be the sale price and interest rate. People commonly make the mistake of only looking at the monthly payment instead of the final cost to fully finance a ..read more

Credit cards have been around for quite some time and are here to stay. The question many people have in regards to them involves the different types. There are quite a few minor variations with each card, and some major. The difference I want to focus on today is secured credit vs unsecured credit. The summary would be secured credit requires some form of deposit based on your credit-worthiness (your credit score, debt and everything else mentioned HERE). let’s get more in depth and learn about the pros and cons. CONTINUE READING BELOW Secured Credit Secured credit cards are very similar to ..read more

Payday loans have been around for quite some time. Their purpose is to provide temporary relief until payday for people that have emergency financial situations. Typically, you hear that you should avoid payday loans at all cost. While for myself this would hold true, for others they may be very useful. Let’s break down the good, the bad and the ugly with payday loans CONTINUE READING BELOW Payday Loans: The Good Sometimes, you’re in a pinch and need additional funds to cover a bill (i.e. rent). If you have nothing to pawn, how do you go about getting money to pay for these bills? The answer ..read more

Knowing credit law will give you a massive upper hand with dealing with credit and debt. Having this knowledge, you will be able to better prepare yourself when you need to dispute inaccurate credit items and debt. This can also really help with fraud prevention. These tools can set you up to fight any type of unauthorized debt. Here are 6 laws you should know to help you in these situations. CONTINUE READING BELOW Credit Law: The Fair Credit Billing Act (FCBA) The Fair Credit Billing Act involves being made aware of your credit card debit. It is not safe to assume you have no financial obl ..read more

Credit repair companies have helped millions around the country have a better financial future. They eliminate the hours and hours of research and writing/data entry that comes with disputing negative credit marks by yourself. Going through a credit repair company typically will be the better route to go as they are well versed in federal and state credit law and how it can be utilized to remove those hard-to-fix negative marks on your credit report. The three companies I’m going to talk about have helped either myself or someone I know personally with their credit challenges. Even if you are ..read more

Have you ever had a situation where you were uninsured or under-insured and got hit with a massive medical bill? If so, welcome to the club! There are hundreds of thousands of people that run into this problem every year with medical expenses. The problem is that typically when one does not have medical insurance or is under-insured, there is an underlying reason for that within’ their budget. Whether it be not enough income or the refusal to pay high medical premiums, this will stop you from addressing your medical bill obligations. If this is you, there are ways to take care of your medica ..read more

We have all done it at some point in our lives. We see something we really want and buy it. The cost of the item is irrelevant as we just want instant gratification. We splurge and buy this item without thinking of how this can create a bad ripple in our finances. This is what originally sunk me into a horrible financial situation. But anything can be overcome with time. You have to take ownership of your finances and monitor them. Here are my 5 biggest financial mistakes I’ve made. Continue Reading Below: Financial Mistake #1 – Sub Prime Auto Loan This was by FAR the worst mistake I’ve made ..read more

What if I told you there was an even faster way to repair your credit than what I demonstrated in my articles. Yes, you read right. There is a way to improve your credit score just as much as I have in the past through a credit repair company. Before we proceed, be sure to check your credit. You can do so fo free HERE with no hidden cost. Continue Reading Below: Before You Reach Out Before you reach out, be sure to check out my article discussing how I raised my score 200+ points in under a year at no cost. Click on the link below: How I Increased My Credit Score 200+ Points In Under a Year ..read more