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Articles by Gregg Pennington

• A Bad Credit Loan – Without A Bad Experience
  When you have bad credit, it is likely that you have little or no savings in the event of an emergency. You may have thought that because of your low credit score, the only way you could get a loan would be to seek out a lender charging exorbitant interest rates, and possibly having a record of unscrupulous business practices. This is not necessarily true. Here are some of your options when applying for a loan with bad credit.
  Published 01Nov2007, viewed 273 times

• Dealing Effectively With Credit Card Debt
  Debt problems can take you by surprise. This is especially true of credit card debt, with interest rates typically higher than ten percent, often much higher. There are ways to avoid problems with credit card debt, but if you already find yourself mired in debt, there are effective ways to get the problem under control. Learn how to reduce credit card debt, do it more quickly, and and improve your credit in the process.
  Published 22Oct2007, viewed 270 times

• Choosing A Home Mortgage Loan - One Size Does Not Fit All
  Before you purchase a home, you should decide if and how you will finance it. There are a number of mortgage options for the prospective home buyer, and each has its pros and cons. Examine your credit, decide what kind of mortgage payments you can afford, and find a mortgage that is right for you.
  Published 14Oct2007, viewed 286 times

• Why Would You Want To Refinance Your Auto Loan?
  Auto loan refinancing can be a smart financial move; it really depends on the interest rate you are paying on your current auto loan, the number of payments remaining, and most importantly, what your objectives are. Reducing your interest rate can save you money in the long run, but it often amounts to a meager reduction of your monthly car payment. More substantial payment reductions are realized by extending the repayment period of the loan.
  Published 12Oct2007, viewed 386 times

• Before You Apply For A Bad Credit Loan...
  It is possible to get a loan, even if you have bad credit. Your credit may not be as bad as you assume, and your credit score may be lower than it should be due to incorrect items on your credit report. Simply identifying and correcting a few errors can raise your credit score significantly, and earn you a lower interest rate on your loan. Don't let bad information cost you money.
  Published 27Sep2007, viewed 294 times

• Who Can't Get A Payday Loan?
  Most people who are employed full time qualify to get a payday loan, though many should probably not. Excessive use of these expensive short term loans can cause one's debt to quickly grow out of control. If you need emergency cash and must apply for a payday loan, here are some reasons your application may be denied. Learn some common criteria payday lenders use to decide whether or not to approve an application.
  Published 12Sep2007, viewed 334 times

• Getting An Unsecured Loan – Is It Possible With Bad Credit?
  Finding an unsecured loan can be difficult, especially if your credit is something less than immaculate. It is not, however, impossible. Here are some steps you can take to maximize your chances of being approved for an unsecured loan, and some alternatives you may wish to consider if you are denied an unsecured loan.
  Published 11Sep2007, viewed 331 times

• Save Your Credit With Debt Consolidation
  Many people find themselves struggling to make payments on their debts each month. Not only does this create stress, but it could potentially lead to damaged credit and many other unpleasant consequences. Debt consolidation is an effective way to lower your monthly payments and the interest rate you are paying on the debt. In addition to debt consolidation, there are many other ways to deal with debt problems and protect your credit.
  Published 08Sep2007, viewed 253 times

• Understanding Your Credit Score
  When you apply for credit, the first, and sometimes the only thing a prospective lender looks at is your credit or FICO score. Find out how this simple yet powerful three digit number is calculated, and what you can do to improve your credit score.
  Published 01Sep2007, viewed 266 times

• A Practical Budget To Reduce Your Debt
  The total debt load of the US population is rising, due in large part to rampant consumerism. The booming lending industry is happy to oblige consumers who want to have it all now. Having a practical budget is essential if you want to avoid the trap of excessive debt and the problems it can cause.
  Published 13Aug2007, viewed 255 times

• Is It Time To Refinance Your Auto Loan?
  Would you like to lower your car payment? Auto loan refinancing can lower your interest rate and extend the payoff time of your loan, and potentially save you thousands of dollars over the life of the loan. Find out what is involved in refinancing your auto loan.
  Published 12Aug2007, viewed 440 times

• Grant Money – Is It Really Free?
  Getting grant money from the government or private foundations has more than occasionally been presented as a ticket to instant wealth. Consequently, most people are skeptical of the claims of free money. There is a lot of grant money available to individuals and organizations, and it does not have to be paid back; however, it comes with certain obligations on the part of the grantee.
  Published 02Aug2007, viewed 429 times

• Payday Loans – There Are Other Options
  A payday loan is a short term loan that is usually repaid in full on your next payday. Also known as paycheck advances, these loans carry exorbitant finance charges that can accumulate quickly if one chooses to extend repayment until a later payday. Here are some other sources of money to consider before resorting to getting a payday loan.
  Published 30Jul2007, viewed 282 times

• Where To Find A Personal Loan With Poor Credit
  If you need to borrow money but have poor credit, don't despair. Most people can qualify for some type of personal loan regardless of their credit history. Learn where to look for a personal loan, and what financing options are available if you have sub prime credit.
  Published 25Jul2007, viewed 248 times

• Improve Your Credit With An Auto Loan
  Getting an auto loan can help you improve your credit, and results can be seen almost immediately. In fact, after several years of paying on your loan, you should see enough improvement in your credit score to be eligible for much lower interest rates; thereby giving you more car for your money.
  Published 13Jul2007, viewed 299 times

• Is It Time To Sell Your Structured Settlement Payments?
  A structured settlement provides financial security for those who have been injured in an accident, or have been awarded a large sum of money. Structured settlements provide regular payments for a certain period of time. The agreement may be tailored to meet the needs of the claimant; however, circumstances change, and many people sell their future payments for a lump sum of cash. Find out if selling your payments is to your advantage.
  Published 05Jul2007, viewed 281 times

• Eliminate Debt - Without Wasting Your Time
  People often prefer to keep debt problems private; however, this is usually not wise. From the lenders who service your debt, to organizations that specialize in debt relief and credit counseling, help is available. Credit repair is a crucial part of regaining control over your finances, but beware that not all credit repair organizations deliver as promised. Learn to recognize scams, get debt under control, and improve your credit.
  Published 30Jun2007, viewed 263 times

• A Faster Way To Eliminate Debt
  There are any number of ways to pay off multiple debts simultaneously, some more effective than others. Accelerated Debt Payoff, also known as Debt Stacking, allows you to quickly and efficiently eliminate multiple debts. This method is unbelievably simple and should be considered by anyone serious about getting out of debt.
  Published 25Jun2007, viewed 252 times

• Why Should You Consolidate Your Student Loans?
  Consolidating your federal student loans will simplify the repayment process, as you will only be responsible for one student loan payment each month. It can also lower your payment amount dramatically. Find out if your student loans qualify for consolidation, and how consolidating them can benefit you.
  Published 18Jun2007, viewed 284 times

• Selling A Structured Settlement – Is It Really A Good Idea?
  Many people choose to sell their structured settlement payments to obtain a lump sum of cash. While selling your future annuity payments offers you immediate control of your money, it may be detrimental to your long term finances. Learn the risks before you decide.
  Published 16Jun2007, viewed 292 times

• Putting Your Home Equity To Work For You
  The equity in your home can help you consolidate debts, fund home improvements, or get extra money for any reason. Which loan is right for you: a home equity loan or home equity line of credit? Here are some facts to help you decide.
  Published 12Jun2007, viewed 251 times

• How To Sell Your Structured Settlement Payments
  Selling your structured settlement payments for a lump sum of cash is a major financial decision. There are many reasons that people choose to trade their guaranteed periodic payments for money up front. While this kind of transaction offers you control over your money, there are some risks involved. Learn how to sell your payments and what you can expect during the sale process.
  Published 09Jun2007, viewed 525 times

• Payday Loans – How To Choose A Lender
  Payday loans are short term loans with steep finance charges. They are normally repaid on one's next payday, and require no credit check. Frequent use of payday loans can spell disaster for one's finances, so they should only be used as a last resort. Here is a rundown of how cash advance loans and payday loans work, and some tips for choosing the right lender.
  Published 04Jun2007, viewed 434 times

• The Basics Of Student Loan Consolidation
  Paying off multiple student loans is confusing, and can also be uneconomical. The best solution is student loan consolidation. If you are considering consolidating your student loan debt, you should become familiar with how these loans work and some basic rules that specify which student loans can be consolidated.
  Published 28May2007, viewed 308 times

• Getting a Mortgage - Weighing Your Options
  When it comes time to take out a home mortgage, many people are confused by the variety of mortgage loans available and the terminology associated with them. Here is an overview of some common types of mortgages that will help you decide which loan is appropriate for you.
  Published 23May2007, viewed 262 times

• Government Grant Money For College Students
  There are many ways for determined college students to pay for an education. Many students hold full time jobs, and take out thousands upon thousands of dollars in student loans to obtain their degree. There is additional assistance available to students in the form of educational grants, which never have to be repaid. The federal government offers two separate types of student grants, Pell Grants and Federal Supplemental Opportunity Grants.
  Published 19May2007, viewed 321 times

• Payday Loans – A Convenient Last Resort
  Payday loans are short term loans with steep finance charges. They are normally repaid on one's next payday, and require no credit check. These loans have received a lot of bad press because many people are using them irresponsibly, rolling them over multiple times and incurring even more finance charges; however, cash advance loans can be a life saver when time is of the essence and other money is unavailable.
  Published 13May2007, viewed 549 times

• Finding An Auto Loan – Even With Bad Credit
  If you have bad credit, you may think that you cannot get an auto loan with a reasonable interest rate. Instead of settling for a sky-high interest rate and perhaps even an inferior vehicle, why not take a few simple steps to improve your credit. As you increase your credit score, you will find many more options available to you when the time comes to finance your next car.
  Published 09May2007, viewed 462 times

• What Is A Structured Settlement?
  A structured settlement is an arrangement where a damaged party receives periodic payments rather than a lump sum of cash. They offer certain advantages over lump sum cash settlements and are intended to provide for the long term needs of accident victims and other damaged parties. Unlike a lump sum cash award which is paid entirely up front, structured settlements are paid out at some specified interval as determined by the plaintiff.
  Published 04May2007, viewed 541 times

• Find The Money You Need - Even If You Have Bad Credit
  Whether you are looking for a mortgage, a debt consolidation loan, an auto loan, or quick cash in an emergency, you can find the money online. By first doing some research on the different kinds of money available and comparing lenders, you can find the best possible interest rate on the loan you need.
  Published 01May2007, viewed 407 times

• Should You Refinance Your Mortgage?
  Most people are aware that mortgage rates have recently been at or near all time lows. Many have already refinanced their mortgages. For those who have hesitated, here are some points to consider when deciding whether or not to refinance, and choosing a loan and mortgage lender.
  Published 27Apr2007, viewed 562 times

• Choosing A Buyer For Your Structured Settlement Payments
  If you are considering selling your structured settlement payments for a lump sum of cash, you want to get the most money possible, and also choose a reputable structured settlement buyer. Here are some tips for choosing the right buyer for your structured settlement annuity payments.
  Published 24Apr2007, viewed 663 times

• Student Loan Debt – How Much Can You Afford?
  Learn the facts about student loan debt and student loan consolidation and avoid the common pitfalls of student loans. Properly managing student loan debt will make life much easier after graduation.
  Published 22Apr2007, viewed 518 times

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