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Archive of posts published in the category: General

Fixing Bad or Low Credit Scores? Continental Finance is a No Go!

fix bad credit scoreOkay, so I admit that I don’t have the best credit. Years of immature decisions, shopping trips at Macy’s in college and other wasteful endeavors, have led me to the point of needing credit repair. So when I received an offer in my email box to improve my credit rating, I jumped at the chance. Unfortunately, I should have hit delete! Consumers beware: Continental Finance does not have your best interest at heart.

Let’s start with the fees. When I first opened this account my limit was 300 bucks..not a ton, but a huge help for a student and a mommy (such as myself). Once all of the fees were processed, i was left with a limit of 53 dollars (there is an account set up fee for $99, a participation fee for $89 and an account maintenance fee for $49). So that we always remember how much they care, our friends at Continental Finance also charge an annual fee of $120 that is billed to your statement on a monthly basis. Oh and don’t forget your 30 dollar over limit fee!

Besides outrageous fees, Continental Finance has the worst customer service I have ever come across. The operators are rude, loud and obnoxious. Too many times my phone calls have been met with loud crunching sounds, blaring television sets and even babies crying. The company also feels the need to call you 5 to 6 times daily to remind you that you went over your limit, even if the bill is not due for two weeks and even if they reminded you the day before. Problems with your card? Suspect fraud? Ha! Try to find an operator to discuss credit card issues and see if you speak to a live person within 45 minutes. Oh the virtues of this company…will they ever cease to amaze?!

One card that I do like, nonetheless, is Capitol One’s Master Card. Even if your credit is not perfect, the company treats you with respect and dignity. Unlike Continental Finance, you do not have to pay a huge monthly minimum fee (Continental makes you pay at least 50 bucks a month, even if your bill is only $60). The customer service is just like any other credit card company’s service–prompt and polite. It also probably doesn’t hurt that Capitol One is a major company (so they probably won’t put you through as much nonsense as Continental Finance).

Obviously, the lesson of this story is to try and keep your credit score as high as possible. However, if your credit needs help, please learn from me and do not utilize Continental Finance. Try other companies (such as Capitol One) where you are treated like any other person who is in possession of a credit card. Just because you made some mistakes in the past, does not mean you have to put up with ill treatment in the present and in the future.


Best Quick Cash Loans

Best Quick Cash LoansIf you are in a bind or want to hedge your bets you may be looking to get a quick cash loan. It is wise to be aware where you take your money from where quick cash loans are concerned because they can carry some steep penalties and interest rates.

The United States has laws governing interest rates on secured loans and credit cards. Yet, for cash advances lenders can charge 500% interest. If that rate does not seem that bad for a loan of a few hundred dollars, after all you will have the money in two days from your employer, think again.

You will not be able to simply repay the money. But suddenly you will find yourself owing an exorbitant few thousand dollars in order to repay that loan and that is only by next week.

Happily (and sadly) the interest rates that can be charged happen to be curiously governed by the individual states. Now, can you guess in what state it is actually considered racketeering to charge huge excessive interest rates? It is not a state known for being progressive, nor for protecting its citizens. It is an at will employment state where people can be fired without cause, just as people can quit basically without notice or cause.

Hint: it gets hot there. Georgia, a state that has some of the highest identity theft and identity fraud in the nation actually has limits on how much interest can be charged for payday loans. What might be more surprising is it is forbidden under the state’s racketeering laws.

A full 32 states otherwise allow triple-digit interest. The rest pull in the interest and only allow it anywhere from 17 to 30%. Another surprise is that even Arkansas limits interest on all loans to 17%.

There are some schemes that claim they are immune to any U.S. law because they originate the loans on Native American reservations. Though, does it matter where the loan originates, or within what state the resident lives? It would seem the latter is true.

Other than moving to Arkansas, be sure that you only borrow as much as you need to and consider shopping for loans online prior to agreeing to take on a triple-digit loan. There are other opportunities out there for you and you do not have to make yourself a victim just because you need a little help this month.

The idea is that you do not want to have to repay the loan for years. Alternatives include working with several lenders, or trying person-to-person loans for your money as well.

The good part about the best quick cash loans is that you will not have to put any collateral forward in order to secure the loan. That means that there is really no need for any credit check. Even if the individual has bad credit, they will still receive the loan. The companies that issue these loans are looking to make their money back on interest.


Obtaining Fast Cash Loans

Obtaining Fast Cash LoansThere is no doubt that we are currently living in a difficult economy. Businesses are closing, being merged, laying off workers and downsizing. This leaves many workers without jobs, working less hours and perhaps holding down more than one job in order to make the budget work out.

Therefore, many families need a source of ready cash in case of a financial emergency, and that is where Fast Cash Loans comes in. Even though a family might be in the paycheck-to-paycheck syndrome, they still experience their share of unexpected cash needs like a car or an appliance breaking down, a medical emergency where a family member has to be hospitalized, or the out of town relative that falls ill and needs a visit.

It is also difficult to get a loan from the neighborhood bank anymore, as you have to jump through hoops to even be considered, and the wait is long. This is where a loan institution like Fast Cash Loans comes in.

Just about anyone can procure a short term loan by applying online and all they have as requirements for the most part is that they have a steady income and that they own a checking account. When they are approved, and most are, they receive their money by direct deposit to their checking account.

The terms of the loan are usually that the money plus interest has to be repaid at the borrower’s next payday, where the money will be withdrawn from the borrower’s checking account. This method seems to work well, as the loan amounts run the range of between $300 and $1,000. This makes it easier to pay back the amount out of a person’s pay.

This is really a very good service as it allows for middle income families to have a ready source of cash available for emergencies.


How Quick Cash Loans Work

Have you found yourself in a financial bind? If so, you are probably looking for a way to get a fast loan. Have you ever thought about getting quick cash loans? If not, this article will include everything you need to make a good choice about getting a quick cash loan in an emergency situation.

If you need money fast, there are quick cash loans available that you can easily apply for and receive online. There are many websites that offer this service. Many of them are legitimate, but you should be sure you research the company before you give them your information, no matter how much of a hurry you are in. It is important that you make sure you are using a company that isn’t going to steal your information.

How Quick Cash Loans Work

After you find a good company to use, find out what information you need to apply for the loan. Usually you will only need a few pieces of information. This normally includes a pay stub and your bank account number and routing number. This is so you can have the money automatically deposited into your bank account. This process will only take a few minutes of your time and loans are usually processed within about 15 minutes. Depending on which company you use, it could take up to 24 hours. Most of them only takes minutes though.

Once you get the money you need, you can take care of your financial emergency. Your first payment on the quick cash loan will be set up at a time you want it to come out of your bank account. Many people choose to have these loans taken out when they get paid. Remember that with these loans there are normally fees. Make sure you understand what the fees are and how the repayment works on the loan. These are very important to know before you get the loan.

After you pay the loan back, you can opt to get another loan if you need it. You also know there is somewhere to turn if you ever need a quick loan again. These loans can be very helpful in a time of need and should be taken advantage of if you find yourself in a bad financial situation.

Applying for these loans and getting them is very easy. Don’t hold off any longer and get the money you need today.


No Credit Check

No Credit CheckIf you have a poor credit rating but still require a loan to make ends meet, then perhaps no credit check cash loans are the perfect solution. In this guide, we’re going to give you some useful advice for ensuring you obtain one of these no credit check cash loans, so without any further introduction – let’s get straight to it.

Tip 1 – Try a credit union

One of the best places to find a no credit check loan is via a credit union. These organizations are usually run by members, and they have less strict requirements when it comes to obtaining a cash loan. What’s more, many of these unions have more than favorable interest rates – especially compared to a traditional loan from a bank.

In general, these are a fantastic place to begin your search for a loan, and you’ll often find a better deal here than anywhere else you try.

Tip 2 – Limit your applications

If you’re trying to get a no credit check loan, then it’s wise to limit the amount of applications you make. When you make too many loan applications, it is likely to trigger an inquiry into your credit rating – so if your rating isn’t very good, you want to avoid this if possible.

In most cases, you can research the criteria for any given loan before you make the application, and ultimately this will allow you to discover whether you’re likely to qualify for the loan before you make your application. In most situations, it’s far wiser to do this crucial research first – before you take the next step of sending your application in for review.


Overall, a no credit check cash loan will be a real lifesaver in many situations – and if you follow the advice in this guide, you’ll greatly improve your chances of getting one.