Alternatives to Bankruptcy

If you're considering bankruptcy, make sure you do your research first. Yes, it's awful tempting when the bill collectors are constantly calling, but look for any available alternative for your situation.

I was considering bankruptcy a couple years back, but couldn't even afford to file the paperwork! Then I ran across a website run by Bud Hibbs, who years ago had a radio show in Dallas as a consumer advocate, specializing in bad credit situations. I read his website, and learned that I didn't need to declare bankruptcy!

Anyways, if you're in a situation, and aren't sure to get out of it, check out <a href="http://www.budhibbs.com">BudHibbs.com</a>

Garry

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Improve Your Chances of Getting Approved

If you have bad credit, it may be difficult to get the loan you need. The good news is, there are a lot of people with bad credit now, so lenders are doing more and more to get your business.

Here are some of the things lenders look at when approving your loan. The more of these that are seen as positive, the better your chances of getting that loan!

• Live in one place for a while...hopefully a year
• Work at one place for a while...again, a year is good
• Increase your income...at least temporarily...take a part-time job
• Have a decent-sized down payment...$20 ain\'t gonna cut it
• Dress well...you don\'t need a suit, but don\'t show up looking like a slob

For more help with bad credit issues, and for a list of lenders that specialize in bad credit situations, please visit:  http://onlineshoppingfaqs.com/bad-credit

 

 

Credit Tips

If you're one of the people who has bad credit you are finding it very hard to get a loan or financing anywhere. 

A lot of people think that if they have bad credit there isn\'t a chance they can repair it.  That just is not true with a little work and  patience. 

What your credit report is a number system.  The higher the number the better your credit.  So why not get a unsecured credit card.  Use it only for emergency or just purchase something you know you can pay for immediately. Within 6 months your credit score will improve and then your back on track. 

Get organized! Make a folder for all your correspondence offline and online. You will have to do some snail mailing but in most cases you can work your repair online.

In the Us a credit score of 650 will get you a mortgage.  You can do it with a lower score but not  with a premium interest rate.

In fact, even a chapter 11 bankruptcy (erases all negative credit) is not as bad as many think.  It erases all your negative credit and allows you to start all over.  Use this opportunity to your advantage and keep up with your bills.