The beginners guide to safely join and use eBay

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Mar 272024
 

I don’t think it matters where you are these days, if you mention the name ‘ eBay ‘, there is someone there who has either bought an item on it, or who has sold something on it, eBay has become a household name around the world. I started buying and selling on ebay around 7 years ago. There are thousands of people living in the U.S. that make full time living’s selling item’s on eBay, and thousands more that buy items on it daily.

eBay was started by one man named ‘ Pierre Omidyar ‘. When Pierre was 28 years old he started writing the programming code that was to become the internet site eBay. The site was launched online on Sep 4, 1995, ‘ Labor Day ‘ here in the U.S. At first it wasn’t called eBay, but was named ‘ Auction Web ‘. Later it was changed to ‘ ebay ‘ , which was a short version of a consulting firm Pierre owned named ‘ Echo Bay ‘. eBay was free at the start, then it started charging fees to help cover it’s internet costs for hosting and other charges. At the time, Pierre was dating a woman that collected PEZ toys, she used the new eBay site in its earliest incarnation to buy and sell rare dispensers. In 1996 Jeffrey Skoll, a Stanford MBA, joined the company and by 1998 eBay had gone public in the stock market, making Omidyar a billionaire. In 2005, Omidyar’s 214 million eBay shares were worth around $8 billion. In March 1998, Meg Whitman was brought in as President and CEO of eBay where she serves still today

Let’s start by going to the eBay site and joining. Just visit: www.ebay.com and you will be taken to the main page of the website. Once there look towards the top area of the screen and you will see text that says: ‘ Hello! Sign in or register. ‘, using the mouse button, click on ‘ register ‘. After clicking on ‘ register ‘ you will be taken to a screen with a form on it, enter the information about yourself, such as your name, address, telephone number and email address. Next you will be taken to another screen where you must choose a password and ebay user name, the eBay user-name is the ID or Name you will be known by to other ebay bidders and shoppers.

The password should be something that is not common, for instance do not use your first or last name, or some common word such as ‘ pencil ‘, or ‘ computer ‘, take your time and choose something difficult and a little long, make sure you write this password down and keep it near your computer in case you forget it. I recommend writing your ebay password on a yellow post-it note and hanging it someplace near your computer.

When your done with the username and password screen, you just have to check your email for the confirmation link that eBay sends you, just click on the link as shown in the email to activate your eBay account, now you have joined eBay, and you can start bidding and buying right away, but before you do let me tell you about the different features of eBay and how some things work.

eBay is not just an auction site, I mean you do not have to bid and wait for an auction to end, in order to purchase every item on eBay. In fact many items can be purchased for a set fee, and bought instantly, these are called ‘ Buy Now ‘ listings. For an example of how listings differ from each other, let’s look at some ebay items. Let’s say you and I are looking for a ‘ singing fish ‘, the fish that look like their mounted and displayed on a piece of wood, when someone gets near it, it will start singing and move it’s mouth and tail, they are often called ‘ big mouth billy bass ‘.

To see if eBay has any of the ‘ singing fish ‘, we just go to the main ebay page (www.ebay.com) and in the ‘SEARCH’ area, type in: singing fish, and the screen shows there are currently 60 different items or listings found. I scroll down and select one of the listings, it currently shows the current bid price is $7.00 and it has had 4 bids, with 1 day and 13 hours remaining before the listing or auction ends. If I really wanted this item, and was willing to pay up to $15.00 for it, I would just click on ‘ Place Bid ‘, and enter my ebay username and password, if requested to do so. It tells me that I have to enter a bid of at least $7.50, remember I am willing to spend $15.00, so I would now enter $15.00 as my bid price. The item description page would then show that I am the current high bidder, and the amount needed to outpid me would be $8.00 or so, eBay keeps my maximum bid price ($15.00) secret, and automatically bids in increments for me as other folks bid, until reaching my $15.00 limit. If someone bids more than my $15.00 limit, there is no way I can win the item, unless I bid again and set another higher limit, if the item listing time ends with my $15.00 bid as the highest one, I am the winner.

The ‘ maximum bid ‘ option is a very neat feature, if you will be away from the computer and can not watch an auction closely while the time remaining is ending, eBay will automatically bid for you until you have reached your maximum bid limit.

Besides bidding, some items have others ways of purchasing them. Now lets go back to the screen that showed the 60 different listings for the ‘ singing fish ‘, I scroll down and notice that besides the current price of one fish, it says ‘ Buy It Now ‘ and shows a price of $8.99 near it. Clicking on this listing, I see the fish can be purchased instantly for $8.99, by clicking on the ‘ Buy It Now ‘ button. If I clicked on the ‘ Buy It Now ‘, button I would be taken to another screen where I would confirm that I want to buy it by clicking on the ‘ Commit to Buy ‘ button, or I could simply click ‘back’ on my web browser, or just go to another page to cancel my decision to buy the item. If I did click on the ‘ Commit to Buy ‘ button, it would show me other screens, and tell me where to send the payment, etc, all which are explained in simple and easy to understand terms.

There are three things to always check on before buying or bidding on an eBay item, the first is the sellers location. As you use ebay, you will see that some of the sellers live in Canada, or even the U.K. If you are like me and live here in the U.S. you may wish to just buy or bid on items that are here in the same country, to avoid a long delivery time, and large shipping fees. Each ebay item description page, tells the users address, for instance it will say ‘ Item location: Chatsworth, CA United States ‘, etc, near the top and middle area of the screen. Another thing to check is what the shipping costs will be. Some folks offer very high shipping, for instance someone may sell a shirt for only $2.00 but have a set shipping fee of $15, so always search the item description page before bidding and buying to find the shipping information. Some item description pages have a box, with a button on them called ‘ Calculate ‘, once you click on this button, just enter your zip code, and it will tell you what the exact shipping fees will be. One more thing to always check on is what methods the seller accepts as payment. Some folks only accept PayPal, others only accept Money Orders, or Checks, while some accept all methods. Look for this information on the item description screens also, it’s listed usually under the item’s description section, in an area called: ‘ Payment methods accepted ‘, all three of these things I have told you about, are easy to find and view on any item’s description screen.

As you search and look at different items listed on eBay, you will see that a lot of people only accept PayPal as their form of payment. If you are not familiar with ‘ PayPal ‘ visit, www.paypal.com. Signing up and joining PayPal is simple and free, and it has great benefits especially for using eBay. PayPal payments are secure, and the money is sent instantly to the seller, it makes eBay a lot more fun to use, when buying items on eBay I use both PayPal payments and money orders.

Now let me just explain a little about ‘ feedback ‘ and how it’s very important when it comes to buying and selling on ebay. Let’s go back to the ebay webpage that shows the listings for the ‘ singing fish ‘. As I pick a listing at random, I look under the ‘ Seller Information ‘ area of that page, I see the sellers eBay name, and the Feedback Score. The feedback score tells you how many buy/sell transactions a user has made in the past on eBay, and the percentage of the transactions that were positive. This info is a great way to protect yourself from a seller or buyer that may not be very reputable. For example if you were interested in bidding or buying an item, and you noticed the person listing the item had a feedback number of 6 and a positive percentage of 20%, stay away from this person, but if the person had a feedback number of 6 and a positive percentage of 99% or so, they would be a lot safer to deal with.

Now before finishing this article I want to give you two more pointers or bits of information to use to make your eBay experiences good ones. Once you become familiar and can find your way around the different areas, go to your account screen, and find the option to change your password. My eBay password is over 14 characters long and contains letters and numbers in random order. I change my password every month or two, and I recommend you do this also.

The main reason I recommend you change your eBay password every month or two, is because there are a lot of nasty computer viruses and trojan horses floating around on the internet and arriving through email, and the purpose of some of these viruses is to scan your hard drive and seek out your passwords, ebay’s included, and to email this info to hackers and other websites, giving folks you don’t know access to your eBay account information.

In all of my years using eBay, I have never had one problem, and you should not either if you read and follow my advice and tips in this article, and just use some common sense or internet savy. There is no way I or anyone can guarantee you will never have trouble using ebay or any internet site, but neither can someone guarantee you won’t become involved in a wreck while driving a vehicle.

There is a great FREE eBook that describes in detail how to ‘ How To Join eBay and PayPal – and Safely Use Each ‘, The eBook contains NO AdWare or SpyWare and is available for immediate download from this website address:

http://www.rb59.com/jepasut

By Robert W. Benjamin

Copyright © 2006

You may publish this article in your ezine, newsletter or on your web site as long as it is reprinted in its entirety and without modification except for formatting needs or grammar corrections.

Credit Reports: Managing your credit history

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Mar 262024
 

Credit reports are used by financial companies to evaluate their customers for loans, mortgages, and other borrowings. They are also used by landlords, employers, and other interested parties to evaluate their clients. It is important to be aware of what is on your credit report so as not to face surprises in the future.

Government Free Credit Reports are mandatory to all consumers. Fair Credit Reporting Act (FCRA) has made it clear that it requires that U.S. consumers should have the right to get free credit report every year. The government has set its goal straight that consumers have the right to be informed, stand up against identity theft and should get a fair deal.

A credit report contains a history of your credit life: amounts borrowed, credit card dues, loans, payments, dates, periods, late payments, defaults, public records, and so on. This information can be used by a prospective lender or creditor to find out if you have defaulted on your loan payments, or credit card payments, and how regular you have been in paying back your dues.

A credit report also comes with a credit score – FICO score – that can range between 300 to 850. This comparative score shows in a nutshell where a consumer stands with respect to others in the overall soundness of his or her credit history.

The credit score, like the credit report, can be used by a prospective creditor or finance company to instantly judge and sanction a service. A high score may get you a low interest rate and save valuable money, whereas a very low score may even result in a denial of service.

There are three major credit bureaus that collect information from other companies about consumer credit history and provide a return feedback on any prospective client.

It is important to know whether your credit report contains any mistakes, errors, and adverse comments against your financial activities. Everyone is entitle to obtain a free credit report from any of the major credit bureaus, and one should go for the same.

For more information visit: free credit report

Foster Your Business With The Help Of Commercial Vehicle Loan

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Mar 252024
 

If you have been planning to purchase a vehicle for the promotion of your business, but lack of funds have been stopping you since a long time. No need to worry any more. Commercial vehicle loan specialize in providing loans to the entrepreneurs to buy the vehicle needed for the endorsement of business.

Commercial vehicle loan enables the entrepreneurs to purchase vehicle for commercial purposes. It could be a truck, car, bus or any other vehicle intended to be used in business. This loan finances the purchase of both new and used cars depending upon your commercial requirements and budget.

With commercial vehicle loan the entrepreneur can buy a vehicle at convenient terms and can also enjoy the pleasure of fast loan approval. This saves your valuable time. The interest rate and monthly installments are arranged according to the income and repayment capacity of the borrower.

Buying a vehicle is among the major purchases an entrepreneur makes. Therefore before applying for a commercial vehicle loan, you have to be sure whether you can actually afford the loan or not.

The vehicle that you purchase with commercial vehicle loan usually serves as collateral against the loan. If the borrower declines to repay the loan, the lender has the legal authority to confiscate the vehicle.

Commercial Vehicle loan serves a diverse group of people irrespective of their credit history. If bad credit is an impediment in the expansion of your business applying for the loan can help you purchase the vehicle required for business development.

Though commercial vehicle loan for bad credit people always come with a higher rate of interest, yet taking steps to repair credit score can help you get the loan at an affordable rate. Before applying for a commercial vehicle loan, get your credit report from a reputed credit rating agency. Checking credit report for accuracy should be done at regular intervals. If there are any mistakes that put a negative impact on your credit score, get the corrections done immediately.

Various lenders dealing in commercial vehicle loan are available in the market. Online lenders are gaining popularity nowadays. You can apply from the computer sitting in any corner of the world. A simple online loan application form needs to be filled up. It includes certain basic details like name, address, employment history, present income etc. The information given by the entrepreneur remains confidential. The lender receives these details via secured server only.

You can even ask for loan quotes from various lenders and discover the best loan deal. If you face any problem in finding an appropriate deal you can take the guidance of online loan advisors. This service is provided free of cost.

Foster your business and climb the ladder of success with the help of commercial vehicle loan.

Purge The Financial Worries With Low Unsecured Loans

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Mar 242024
 

If you are looking forward to borrow money, taking a loan will be a wise decision. Different loan providing organizations exist in the financial market and are ready to serve you loans. But if you are searching for a loan that suits your pocket, opting for low interest unsecured loans will be an optimal choice.

Low interest unsecured loans are specifically designed for borrowers who do not want to put their property at stake. Therefore, they do no have the nightmares of having their property impounded by the lender. These loans are ideal for tenants.

If you have been deprecated as a bad debtor because of multiple debts, do not be disheartened. Low interest secured loans specialize in providing you monetary assistance. Here it becomes important for the borrower to have knowledge of his credit score. FICO has rated credit score as a three digit number and grades them from A-E. A score below 600 is usually considered as bad and is graded E. This indicates that you must follow credit repair steps to improve your credit score. Getting your credit report from a credit rating agency and checking it for accuracy is the first step towards improving your credit score. If it contains certain unsolicited debts, get it immediately updated from the credit rating agency. You are also advised to clear those debts that you can easily pay as these will not be mentioned in the new credit repot. This will help you improve the credit score and get the loan at favorable rates.

Low interest unsecured loans provide flexibility in its usage. One can use the loan for a variety of purposes such as debt consolidation, purchasing a car or holiday package, home renovation, meeting wedding expenses and many other purposes as well.

Low Interest Unsecured Loans benefit the borrowers in an array of way-:

 No collateral required
 Affordable rate of interest
 Quick loan processing
 No fear of property repossession
 Minimal paper work
 Available to bad credit people

Rapid advancements in the field of technology have made it easier for a common man to apply for a loan. Most of the loan providing organizations have their websites on the internet dealing in low interest unsecured loans. Online lenders are capable of providing you loans at an affordable rate of interest. They protect you against all evils that you could face while dealing with physical lenders. Just fill in the hassle-free online loan application form and click the submit button. As soon as the lender receives your loan application he will contact you immediately with the most appropriate loan deal in hand.

Avail the benefit of low interest unsecured loans without placing any security. You are provided with money to snuff out the financial worries without even putting your property at stake.

Disability Insurance Why Do People Buy It?

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Mar 232024
 

Each person who buys disability insurance has his or
her own particular reason to get income protection
with their own disability insurance policy.

And these reasons differ widely. They all buy it to
protect their future income, but the reason that
triggers the purchase varies widely.

Over the years, people in all walks of life have bought
disability insurance but, looking at some records, I was
struck by how much the reasons differ. Here’s a small
sample.

Disability Insurance: Reasons To Purchase

A heart specialist, age 38
Reason: The hospital provides none at the moment,
but I need disability insurance before I commence
doing surgeries.

Writer, age 46
Reason: I am self employed and must buy all my own
life and health coverage.

Lawyer age 33
Reason: We only have one income and if I become
disabled, the only income we will have will be from
disability insurance.

Veterinarian, age 29
Reason: To protect my income in event of injury, which
is not unknown in this profession.

Professional, age 36
Reason: Peace of mind. What if I wait that one day too
long; I’ll think about disability insurance for the rest of
my life.

Consultant, age 46
Reason: Planning for the future. How can I do a
financial plan, when I don’t know whether I can carry it
out?

Salesman, age 33
Reason: Protect family in the event I am unable to
work; I have no investments to produce income.

Sales Manger, age 40
Reason: It is simply part and parcel of what I need to
protect myself and my family.

Computer Programmer, age 36
Reason: To replace lost income in case I don’t die in
the accident I always think is going to happen to me.

Neurosurgeon, age 58
Reason: Protection to the maximum please; disability
insurance and critical illness insurance are both
necessary.

Chartered Accountant, age 39
Reason: I deal with small business people and have
seen clients, lose homes and businesses as there is no
income from a disability insurance policy.

Manager, age 32
Reason: Just makes sense; disability insurance is the
only way to protect your income.

Web Programmer, age 34
Reason: In case I’m disabled for a long time, disability
insurance is the only income I’ll have.

Dentist, age 42
Reason: I am in an occupation that is prone to injury; I
have no choice.

Electrician, age 40
Reason: I have no group disability insurance so I must
provide my own.

Plumber, age 36
Reason: Disability insurance, life and health insurance
are just part of the protection I need.

Jeweller, age 46
Reason: I am self employed and must protect my life
with life insurance and my income with disability
insurance.

Conclusion On Reasons To Buy Disability Insurance
You can see the triggers to buy disability insurance
differ greatly.

Please let us know what is your reason to have
disability insurance and we’ll send you a Free Disability
Ebook. Send your reasons to info@hughestrustco.com.

Making a Profit Using Dropship sources

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Mar 222024
 

With the online marketplace booming with new entrepreneurs with a product to sell on the web, many wonder how they can get into this business with as little as possible and still make money. The answer is simple, dropshipping.

Dropshipping a product means that you don’t stock inventory, or deal with the shipping process, etc. You just do the minimum, which is sell the product and collect the profits. The process is simple and it’s a great way for someone to earn an extra income from home with much capital and headache from warehousing product.

A company that dropships for you does several things that you will not need to worry yourself about. The great thing is they do most of the work for you. I’ll explain further about how this process works. You advertise a product either at a website, classified ad, online auction, etc. A customer sees your product and wants to buy it. The customer sends you the $20 your product costs, which is all pretty normal in a business environment. But this is where it gets different. Instead of you sending the product to the customer, you’ll contact the dropship company and give them the details of the transaction. You will send them the price that they charge you for the product, take for instance $5 plus $5 shipping. Which costs you a total of $10 for the product. Now you’ve made $10 on the sale. Now that the dropship company has your order, they will ship the product to the customer. Without any marketing material and with your company or name as the shipper of the product, so that the customer will never know that you didn’t actually ship the product to them.

So, in the above example, all we did was sell the product, we didn’t stock or ship the product and we didn’t need much capital to purchase the product beforehand. This is how dropshipping can make running a home business easy and affordable. Of course some capital will be needed for expenses such as auction fees, advertising fees, etc. But none for stocking of products.

Many people already use dropshipping to earn an extra income. For instance, many sellers on ebay use dropshipping.

Finding dropship sources can be a bit tricky. Many people who have the dropship sources don’t want to share, and the ones that do want to charge for it. Luckily there are a few places you can go on the internet that give away these dropship sources for free. One of the websites is public-wholesale.net. There are other places and I encourage you to search and find that unique niche that you want to sell.

Eliminate Your Anxieties Through Unsecured Personal Loans

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Mar 212024
 

Money is the prerequisite behind all personal desires. Whether you want to purchase a car, make home improvements or invest into the business. You need to have sufficient amount of capital. If you are incapacitated by some financial crisis and are not able to fulfill your personal desires, opting for unsecured personal loans can prove to be fruitful.

Unsecured personal loans do not bound the borrower to place a security against the loan. To cover the risk factor, lenders usually charge a high rate of interest.

Due to the absence of collateral, the credit score and the repayment capacity of the borrower holds an important place in determining the loan amount and rate of interest payable on the loan. Therefore, it is important for the borrower to get knowledge of his credit score. This will be useful for him to get the loan at correct rates.

Since Unsecured Personal Loans are usually availed by tenants, therefore the loan term and loan amount both are kept lower. The borrower has the liberty to draw money ranging from £1,000 to £25,000. The amount may vary from lender to lender.

If you are denied of loans because of your bad credit history, unsecured personal loans provide you enough money to face the unexpected financial emergency. If you use the loan wisely, you can not only pay off your outstanding debts but also improve your credit score. Do not forget to make the repayments on time. If you fail to do so it will have a negative impact on your credit report and you can also face problems in getting loans in the future.

Different loan providers such as local banks and other financers are available in the market to offer you unsecured personal loans. But they have certain shortcomings. Dealing with physical lenders involves lot of time and efforts. You are sure to face many obstacles in your way. A substitute to these is online lenders. Online lenders have a fringe over the conventional lenders. They have reduced documentation work as the borrower needs to fill in a simple hassle free online loan application form. Collecting loan quotes form various lenders and then comparing them will help you decide the finest loan deal.

Unsecured personal loans provide an array of benefits-:

• Multi purpose loans
• Absence of collateral
• No valuation of property required
• Speedy loan approval
• Available to tenants and homeowners
• Reduced paper work
• Accessible to bad credit people
• Helps improve credit score

Avail finance without keeping your property at stake. Unsecured personal loans are right at your disposal to help you realize your dreams.

Make An Escape From Debts Through Unsecured Consolidation Loans

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Mar 202024
 

If you are carrying ample of debts on your shoulders, you can be in great trouble. Multiple debts jeopardize your credit standing and may frame you as a bad debtor. Dealing with various creditors at the same time is a stigma in itself. Their humiliating calls may not let you sleep. I too was in a similar condition a few months back. Until one day a friend advised me to opt for unsecured consolidation loans and put an end to my miseries.

Unsecured consolidation loans are designed for individuals who are getting buried under the burden of debts. These loans consolidate multiple debts into one easily manageable loan making you liable to a single creditor.

Unsecured consolidation loans are not tied to collateral and hence they come with a higher rate of interest. The benefit attached here is that the borrower is free from the risk of property repossession. These are ideal for tenants.

Through unsecured consolidation loans, the borrower gets rid of all kinds of debts such as credit card bills, medical bills, house rent, electricity bills etc. He is not required to make the repayment in a lump sum. Rather, he is facilitated to repay the loan in the form of monthly installments.

The credit score of the borrower plays a vital role in getting unsecured consolidation loans approved. As rated by FICO credit score of 850 is considered as the best and a score of 600 and below is regarded as poor. Taking measures for improving the credit score will qualify you to get better rates from the lenders.

If you have a poor credit history, you can still qualify for unsecured consolidation loans. Bad credit in the past haunts your present credit score. Therefore, before applying for the loan get your credit report updated from a credit rating agency. Any unsolicited debts in the credit report should be immediately removed. This will help the borrower to get favorable rates.

Several banks and financial institutions are trading in unsecured consolidation loans.
The borrower may face many hurdles while approaching such physical lenders. There can also be an apprehension of loan refusal. In such a situation, online lenders will be helpful. Most of the loan providing agencies have their proposed websites supporting online application. The borrower can collect quotes from various lenders and compare them on the basis of loan term, loan amount and rate of interest. Online lenders have a propensity to provide the best possible deal to the borrower according to his financial status and repayment capacity. Using the online loan calculator will give you an estimate of the monthly installments and help you decide whether you can actually afford the loan or not.

Take control of your tormenting debts. Unsecured Consolidation Loans help you club multiple debts under one loan.Getting into debts can be a bed of thorns. So it is advisable to keep a check on your expenses and not let them overflow.

Just Click And Start Your Credit Repair With Bad Debt Personal Loans Online

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Mar 192024
 

Searching bad debt personal loans in market is not as easy as it sounds. It is a time consuming and troublesome matter. In that case, you can opt for online bad debt personal loans that will make your searching faster.

Nowadays, many lenders offer bad debt personal loans online. These loans are easily available. You just need to fill up an application form only with all valuable information about you and after that the lender will contact you automatically with the best suitable deal.
Generally Bad Debt Personal Loans Online are categorized as secured bad debt personal loans and unsecured bad debt personal loans. Secured bad debt personal loans are obtainable against a collateral. That could be automobile, your home or other real-estate property. Whereas, no collateral is required for unsecured bad debt personal loans. So that, these loans are appropriate for tenants and those people, who do not want to put their property at risk.
Usually, with secured bad debt personal loans online you can borrow 125% of your property value and that could be from £5,000 to £75,000. So, using valuable collateral is the best way, if your loan amount is comparatively high. And the duration of the repayment term is ranged from 5-25 years. But unsecured personal loans online for bad debt carries relatively high rate of interest, as these loans are given against no collateral. With these loans, the borrowed amount could vary from £500-£25,000 with a repayment period of 6-10 years.
However, before applying for a bad debt personal loan online, you should be aware of your credit score. Your credit score is the main factor that will decide how much you will pay for the loan. Besides, if you know your credit score, then you will be able to prevent yourself from getting duped by loan lenders.

At the same time, it is also necessary to maintain a balance between your borrowed amount and your repayment capacity. Bad debt personal loans online provide you a chance to get rid of your debt-burden and improve your credit score. But if you fail to repay the amount, then your burden will be increased more. Thus, try to take an amount that is less that you can afford. Start with a small amount and try paying it back on time. It will improve your credit score along with loan repayment credibility.

Easy availability of bad debt personal loans online has made it famous these days. These loans are hassle free and extra paper works are not required. With these loans you will not only resolve your money problem, but also be able to restore your credit history.

Know your Credit Score

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Mar 182024
 

Credit reports are an important financial document that contain details of a consumes credit history – loans, mortgages, credit card dues, debt amounts, regularity of payments, defaults, etc. It is used by various financial and credit companies to evaluate credit applicants and determine the terms on which to lend credit and credit services. Credit score is a convenient way to figure out how good a credit history a consumer has in comparison with others.


Credit scores are also known as FICO scores, and are a statistically determined rating of the credit history of an individual. The score can range from 300 to 850. Various aspects of an individual’s credit history are taken into account to calculate this figure.


When an application for a loan, mortgage, or credit card is made, the credit score may come into picture. Each company may evaluate and judge a particular score differently. In basic terms, a good score means chances of being offered less interest rates, and a bad credit score means having to pay a higher interest rate, or perhaps denial of credit in case the score is pretty bad.


Credit scores can be obtained from the three major credit bureaus who offer their services at a price. The easiest way is to log into their websites and apply online.


Credit reports can also be obtained free of cost from a particular website that has been set up specifically for this purpose.


Knowing your credit score helps you to understand where you stand in comparison to others in the quality of your credit history. If the score is poor, you may need to consult experienced people and find out how to go about improving it.

Government Free Credit Reports are mandatory to all consumers. Fair Credit Reporting Act (FCRA) has made it clear that it requires that U.S. consumers should have the right to get free credit report every year. The government has set its goal straight that consumers have the right to be informed, stand up against identity theft and should get a fair deal.


For more information on credit scores visit – credit reports and scores

Secure Your Pocket From Burning Hole With Secured Loans UK

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Mar 172024
 

“Availing a loan and at the same time secure your pocket from burning hole”- This exclusive offer is provided only with secured loans for UK people. With secured loans, you will get an opportunity to avail a pocket friendly personal loan.

Like other secured loans, secured loans for UK residents are obtainable against a collateral. Home or other real estate, automobile, savings accounts are good object as collateral. With these loans, the range of borrowed amount could be from £5,000 to £75,000. Even, if you use a high value collateral, then the amount can hike up to 125% of your collateral.

The presence of security ensure lower interest rate on secured loan, as it minimize the risk of borrowers. So, lenders do not hesitate to offer a relatively low interest rate that is obviously pocket -soothing.

Secured loans UK that are specially customized for UK dwellers are served with a flexible repayment period ranged from 5 to 25 years. Thus, you can pay off least amount as monthly installment that reduces your debt-burden too.

If you are a borrower with bad credit history, like CCJ, Defaults, and bankruptcy, then you can also be blessed with these loans. As secured loans are available against a collateral, hence, lenders provide loans to all including those have poor credit score. It can be said that with secured loans that are specially made for UK inhabitants, you will get a chance to improve your credit score. However, the rate of interest in that case may be higher.

Various purposes can be fulfilled with secured loans. Nowadays, more and more people in UK applying for these loans to meet their personal desires. Whether, it is business expansion or pursuing higher study, buying a new car or repairing home, secured loans are the best solution for all UK residents.

Nevertheless, you should aware that if you are not able to pay off the amount, then there will be a high possibility of your collateral repossession. So, should borrow the amount that would be easy for you to repay.

Secured loans have become popular in the UK for its easy availability. Many lenders in the UK, like banks, financial and lending companies offer secured loans. But, dealing with such kind of traditional lenders is a time consuming matter, where lots of effort are necessitated. So for a hassle-free secured loan, you can opt for online lenders. This process is the easiest way to get secured loans. Here, you just need to fill an online application form with all appropriate details about yourself and then automatically lenders will contact you with the best deal.

Secured loans that are tailored for UK borrowers, are loans, which are offered against collateral. These loans are available with low interest rate and easy repayment period. Thus, with this loan you can borrow money and at the same time secure your pocket from burning hole.

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