Credit Union and Bank Resources

Credit Union and Bank Resources

Zero Percent Credit Cards with Best Sign Up Bonus Offers 2016

Cash sign up bonus offers you the most value if you are going to use your credit card for purchases frequently. Most credit cards will require you to meet a minimum spending requirement before they will give you a sign up bonus. Besides the minimum purchase requirement, there may be other types of requirements you need to meet. Our friends from BestCreditCards2016.net put the list of six types of credit cards that offer the best sign up bonus offers in 2016. 1. Chase Freedom Chase Freedom will give you a bonus worth $150 if you meet the minimum purchases of $500 in the first 3 months. You can receive a …..

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Dealing With A Spouse Who Has Less Than Ideal Credit History

Marriage is a wonderful thing and a great time in ones life. Two become one and embark on a journey in life facing everything together. Yet marriage can impact your credit and it may not be so eloquent as marriage itself is. Things from your spouses past may come to haunt you both. The good news is that any credit damage can be repaired and the spouse with the weaker credit can make use of the spouse with the stronger credit to help repair their damaged credit. Creditors will view you both together, yet they will take into account the spouse with the weaker credit over the spouse with the …..

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Tracking Progress With Your 2015 Financial and Credit Goals

The first month of 2015 is in the rear view mirror and now we are looking ahead to February and left to wonder are we on track (at all, a little, a lot) for the financial goals and resolutions we identified we wanted to hit this year? 1. Get your credit card utilization to less than 10%. Credit scores love to see a very low utilization. If you can get it down to less than 10% you could see significant improvement in your credit scores. 2. Be sure to claim all three of your free credit reports this year. And, you may be entitled to more than three. Staying on …..

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Finding A Good Loan Offer In Texas Try Shopping Multiple Lenders

Looking for a personal loan in Texas? Sick of finding nothing but payday lenders when searching in Google? Sadly the search engines results get flooded by payday lenders when searching for personal loans as your key word. Many people are not even aware that options exist for small personal loans outside of predatory payday lenders. The qualifications vary from lender to lender but I have complied a list of the top personal loan lenders in the state of Texas for your informational purposes. Frost Bank offers small personal loans for debt consolidation or personal reasons. They offer traditional loans and lines of credit which can be secured or unsecured. You …..

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How Holiday Loans Can Become Long Term Financial Challenges

The Holidays can be a wonderful time of year. Everyone is busy shopping and getting in the Christmas cheer. Well, that can be great if you have the money to do it. Many people today are not in a good financial situation to where they can afford to go shopping for Christmas. The holidays have really put a huge amount of pressure on people to buy gifts. Some people even dread the holidays. Because of this huge pressure to buy gifts during the holidays, people begin to panic and search for ways to make it happen. So what do they do? They begin to search for loans. They are already …..

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Learn More About Home Mortgage and Loan Modifications

If you are a homeowner who is facing a major financial crisis, such as a reduction in income, loss of a spouses income, medical debt or other serious financial hardship that could lead to an imminent foreclosure, you may be able to bargain with your lender to receive a loan modification. Loan modifications differ from a traditional refinance. A loan modification will change the terms of the mortgage loan so that you can afford the payments. The creditor or lender may allow a lower interest rate, move you from an adjustable mortgage to a fixed rate mortgage, increase the duration of the loan for smaller monthly payments, allow you to …..

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