Wednesday, June 11, 2008

Paying Paul--Help Related to Credit Cards

If your debt is out of control and you’re thinking of getting some credit card debt consolidation help , Paying Paul should be one of your first stops as you look for the options available to you. There are vast numbers of people in over their heads with credit card debt and many of them don’t know that there are many ways to solve their credit problems. Worse yet, they may think there is no escape and declare bankruptcy when they don’t have to.

Paying Paul is a credit card debt management company that can answer every question you may have about getting out from under your debt load. The site has a wealth of information to help you not only get out of or reduce your debt, you’ll learn how you can remain debt free! If you are trying to pay off large medical or hospital bill there is a section that tell you how to negotiate with your providers and what your rights are.

Did you know there are ways to deal with collections departments that can put you at an advantage? By getting credit card debt help from Paying Paul, you will find techniques to take control of your debt and deal with the people harassing you for payment. You’ll learn which steps are the right ones to take in order to positively impact your debt as well as how credit really works and the pros and cons of bankruptcy. There is even a section that can put you in touch with the proper kind of debt counselor if you decide you could use some professional advice.

You really can stop borrowing from Peter to pay Paul and end the vicious cycle of crushing debt. Pay Paul will show you how.

Tuesday, June 10, 2008

Auto Loan

Most people can’t afford to pay cash when they buy a car, so they take out an auto loan. An auto loan is a big undertaking and it pays to shop around and compare interest rates and terms. After all, you’re going to be paying this loan off and the shorter the time, the better! Long-term loans generally have lower monthly payments but you’ll be paying more interest. Longer loan periods carry higher interest rates because the collateral-the car itself-devalues every day after it’s driven off the lot.

Short-term loans will usually save you money because of their lower interest rates. You’ll have higher monthly payments with a short-term loan but you save money on the total interest paid. For instance, if you buy a used car for $6,000 and finance for 2 years at 7.5%, you’ll pay $6,479.94 total for the car. If you would borrow the same amount for 4 years, the total increases to $7,213.66--$1,213.66 in interest! As you can see, the shorter the loan the less you pay in interest.

Many people prefer to lease a car, and that is also a type of loan. By leasing, your car never has the chance to get old or out of style. The lease payments are generally lower than a loan payment but there are extra costs involved such as mileage, a large down payment a damage deposit and the first monthly payment. You will have to choose between a closed-end agreement that allows you to walk away at the end of the lease or an open-ended lease that obligates you to make up the difference in the car’s residual value and the fair market value. Leasing a car can be confusing and complicated, so before you enter into a lease be sure to thoroughly read the contract!

Saturday, June 7, 2008


Fair credit cards are those issued to consumers with a credit rating in between good and bad, in the 629-689 point range. If you want to build your credit score responsibly but you’re having difficulty getting a credit card, Best Credit Cards For Fair Credit Report may be able to help you. Fair credit cards come with lower fees and rates than ones for poor credit scores and can be a big help in establishing a good credit score or repairing a damaged one.

Fair-Credit-Report’s site is more than just a legitimate source for securing credit cards, though. The site is full of tools and information needed by anyone who wants to keep a healthy credit profile. Not only do they provide a chart to help you decide which type of credit card you’re eligible for, they want to make sure that once you get that card you’re able to use it responsibly to protect your credit.

A special section on credit fraud will help protect you from dubious sales pitches as well as alerting you to what to look for as indications of credit fraud. Fair-Credit-Report also has a library link that answers nearly any question you might have about credit cards and building or repairing credit while avoiding debilitating debt.

Fair-Credit-Report truly is a one-stop site for all your credit card needs!