You’re not alone if you’re a Nevada resident seeking debt relief. The Battle Born State ranks as one of the highest in consumer debt. However, the state offers local and federally-funded programs and resources, such as debt consolidation, credit counseling and bill repayment assistance. It also has various consumer protections to help those dealing with […]
Nevada Debt Relief + The Best Debt Consolidation Companies Read More »
If you’ve diligently paid down your debts, you probably don’t have to worry about debt collectors. If you miss a payment, however, you might get an alarming notice that you owe money to a company you don’t recognize. Don’t panic. Your creditor has likely sold your account to someone else, for example, LVNV Funding, LLC.
What is LVNV Funding LLC? Why is it on My Credit Report? Read More »
Opploans offers “online loans designed for you” with same-day funding to borrowers with bad credit in 37 states. But is Opploans legitimate, or just another payday loan lender that will leave you trapped in a cycle of debt? Opploans at a Glance APR Range 5.99% to 35.99% Loan terms Six months to three years Loan
Is OppLoans Legit — Or Just a Payday Loan Company? Read More »
Payday lenders make all sorts of threats, but can they actually follow through and take you to court? If you’re stuck in payday loan debt, you’ve probably gotten your fair share of threatening collection calls. And being threatened with a lawsuit is particularly scary. Courtroom trials may look glamorous on TV, but the courtroom is
Can a Payday Loan Company Sue You? Read More »
If you’ve ever applied for a loan, apartment rental or even a job, you might have seen the three-digit number that is your credit score. And if that number changes from day to day, or application to application, chances are you’re wondering why. What many borrowers don’t realize, however, is that there are multiple credit
Which Credit Bureau, Report or Score is Most Accurate? Read More »
For borrowers struggling with debt and poor credit, you might check your credit report and note that an account has been “charged off.” But what does that mean? Should you still pay it, and what are your options to try to protect your credit score? While the simplest way to get it removed is to
Got a Charge Off on Your Credit Report? What It Means and How to Remove It Read More »
Millions of Americans carry balances on several credit cards, juggling payments and watching interest spiral out of control. That’s a problem. Consolidating your credit cards may be the solution. But does it make sense for your financial situation? That will depend on how much you owe, your income, your credit score, your commitment to paying
8 Effective Ways to Consolidate Credit Card Debt Read More »
Credit cards are a convenient way to finance everyday items, pay bills, and splurge, but they can also be expensive. At the end of 2021, the average person owed $5,221 in credit card debt. If you’re struggling to make your monthly credit card payments, a balance transfer credit card could help. These cards usually offer
Top 12 Balance Transfer Credit Cards for Debt Consolidation in 2023 Read More »
Around 12 million Americans take out payday loans each year to pay for monthly expenses like groceries, utilities, credit card payments, or even rent. Unfortunately, many borrowers can’t afford to repay these same-day loans on time and end up in a cycle of debt. The good news is that some online and storefront lenders offer
Need Cash Today? 10 Same-Day Loans (That Aren’t Payday Loans) Read More »
Your credit utilization ratio, or credit utilization rate, is the amount of available credit you have versus how much you’re currently using. It primarily refers to revolving credit — lines of credit and credit cards — since these have an upper limit but the balances can change based on your usage. It is a key
How to Calculate Your Credit Utilization Ratio Read More »
