Latest Finance Articles and Promotions

Protect Yourself from Identity Thieves with a Security Credit Freeze

Blue frozen bank credit card in ice blockWhen people run into financial trouble, they seldom know how to act and what their options are. You may have found yourself in a situation where you didn’t have any idea how to proceed. One common situation that many people find themselves in is identify left. Hackers and thieves have found many different avenues of infiltration. If you’ve ever signed up with a reputable bank or other financial institution, it’s likely that your personal information is stored on the institution’s servers.
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Posted on October 4, 2017 by Ryan

US Bank Offering Home Equity Line of Credit with 1.99% APR for the First 6 Months

U.S. Bank logoOwning a home can be of benefit to individuals and families when the need to cover major expenses arises. Paying for things like college tuition, a remodeled bathroom or kitchen, or consolidating high-interest credit card debt can all be done through a home equity line of credit (HELOC). Homeowners have the ability to borrow as much or as little as they need with a home equity line of credit, and they have flexibility in how the borrowed funds are repaid over time. Each financial institution offering home equity lines of credit varies in terms of eligibility, interest rates, and fees, so it is important for homeowners to do their research in advance.
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Posted on October 3, 2017 by Melissa

Why Co-signing for a Student Loan Isn’t Always the Best Choice

Father and daughter signing student loan applicationThe need to earn a college degree is no longer an option for those graduating high school. Shifts in the job market have moved toward requiring some level of higher education for entry-level positions in most career fields, putting pressure on students to extend their learning and experience beyond their senior year. However, millions of families struggle to keep up with the rapidly increasing cost of college tuition. The solution, for most, is to borrow for one’s education through federal and private student loans.
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Posted on October 2, 2017 by Melissa

Review of the Free TrustedID Premier Service for Credit Compromised by the Equifax Data Breach

Equifax TrustedID logoWith the Equifax data breach reported thousands of times over in the last few weeks, it is no surprise that consumers are in a bit of a panic. Cybercriminals managed to steal personal identifying information of more than 143 million Equifax customers, including social security numbers, dates of birth, and current and previous addresses – enough information to be dangerous in establishing new, fraudulent credit accounts in victims’ names. To help offset some of the widespread outcries from individuals affected by Equifax’s blunder, the major credit reporting agency offered its TrustedID Premier service. But what, exactly, does one get with the credit monitoring platform? Here’s what you need to know.
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Posted on September 29, 2017 by Melissa

Flagstar Bank Offering Home Equity Line of Credit with 2.49% Introductory APR for 6 Months

Flagstar Bank logoBorrowing against the equity in your home is one way to secure affordable, low-interest financing for life’s major expenses. Paying for college tuition, refinancing credit card debt, or covering the cost of a home renovation can all be done with a flexible home equity line of credit. Unlike home equity loans which offers a lump sum and fixed payments over time, a home equity line of credit gives homeowners the ability to borrow what they need when they need it and repay at a pace that fits their budget. Several financial institutions offer home equity lines of credit, but it is beneficial for homeowners to shop around for the right fit.
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Posted on September 28, 2017 by Melissa

Considerations when Choosing Credit Card Benefits and Incentives

3 girls with shopping bags holding credit cardsWhen you’re choosing a credit card, you’ll notice that many of them provide valuable incentives in order to attract new customers. I’ll cover some of the items you’ll run across in your search for a credit card that meets your needs, such as a rewards program. One of the nice things about “rewards programs” is that they’re not limited to those credit cards which are difficult to obtain due to a very strict credit rating criteria. Some excellent benefits can be found throughout a wide spectrum of credit card account offerings. While incentives are certainly not the only criteria that you should use when making your application decision, there are some pretty nice perks available for you to appreciate.
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Posted on September 27, 2017 by Henry

Summit Funding offering 3 Mortgage Incentives to Active and Retired Members of any Public Retirement System in California

Summit Funding Inc logoPurchasing a home or refinancing a current mortgage can be expensive endeavors. There are costs that can quickly add up, like a down payment, lender fees, moving expenses, and closing costs, all which make the process of homeownership pricey. Fortunately, there are some lenders that offer assistance to borrowers who meet specific requirements, not only in terms of creditworthiness but based on other factors as well.
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Posted on September 26, 2017 by Melissa

Bad Credit Loans from BadCreditLoans.com

BadCreditLoans.com Logo - Bad Credit LoansThere are many reasons why credit histories and scores are less than perfect over one’s lifetime. Missing a payment here and there, maxing out credit cards, or having an account find its way to collections status all put a severe ding in your credit report. Getting affordable financing for life’s major expenses is not an easy task when credit history is poor or lacking, but there are several lenders that work with borrowers with bad credit. BadCreditLoans.com has been providing loan options to individuals with spotted credit history since 1998 by connecting borrowers with lenders through its online platform.
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Posted on September 25, 2017 by Melissa

How the Equifax Data Breach Affects Business Credit

Business data breach collageIn 2016 alone, more than 15.4 million consumers were the victims of identity theft, a stark increase from the 13.1 million reported the year prior. Security and data breaches like the recent Equifax issue that impacted at least 143 million individuals across the United States, Canada, and the UK, are on the rise, leaving nearly anyone with a social security number and credit history at risk. Although the main focus of security compromises and stolen data is placed heavily on the individual consumer market, business owners are not excluded from these pressing issues.
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Posted on September 22, 2017 by Melissa

Santander Bank offering Home Equity Line of Credit with 3.24% Introductory APR for 24 Months

Santander Bank logoOwning a home can be a valuable investment, especially as the mortgage balance is paid down and the market value of the home increases. Homeowners can borrow against the equity built up in the property over time through a home equity line of credit (HELOC). As a flexible borrowing tool, a home equity line of credit can be used multiple times, up to the credit limit, for major purchases or debt consolidation. Before establishing a home equity line of credit, homeowners should review the terms and conditions to be sure they select best offer for them, and ensure they have the means to repay the amounts borrowed.
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Posted on September 21, 2017 by Melissa