Everyone Needs a Fresh Start Sometimes

Although you might think this website is directed toward those individuals who have less than perfect credit, that’s not necessarily the case. Even people with perfect credit can sometimes get in over their heads. You know what I mean… you overspend at Christmas, you have a financial emergency, lose your job, or simply get carried away because your excellent credit offers you so many credit options!

Before you know it, your monthly minimum payments are eating away at your cash, and money gets really tight. Even though you’re still making those minimum payments, the interest is killing you, and its nearly impossible to get anything paid off. Yep, you could really use a fresh start, couldn’t you?

If your credit card bills are out of control, there are several things that you can do that won’t ruin your excellent credit.

Probably the easiest option is to transfer the balance (or balances) to a new lower or even a no interest credit card with a 15 to 18 month promotional period. This will not only lower your monthly payment, but it will also stop the interest from accumulating on the balances that you transfer. Just be careful and pay the new card balance down before the promotional period expires or the deferred interest may be added to the balance.

Equally as importantly, don’t charge anything on the cards that now have a zero balance or you’ll soon find yourself with even less cash in your monthly budget!

The other option that you might want to consider is a personal loan.  These loan providers specialize in personal loans to individuals who are determined to pay off credit cards, student loans, and other debts.  The interest rate is typically much lower than that on your credit cards, so you’ll not only cut your monthly payments, but you could save hundreds or even thousands in interest.

Whichever way you choose to go, you’ll save money and pay those bills off sooner.  Get your fresh start today!

 

 

Pay Off Your Credit Cards!

Drowning in credit card debt?

If you’re like the majority of Americans these days, you’re drowning in credit card debt simply because, with the current state of the economy, you don’t have the money to anything more than the minimum payment due each month, and then, as soon as you’ve paid a credit card balance down even a little, you end up having to use the credit card and you’re maxed out yet again!  It’s a truly vicious circle… and unless you do something, it’ll never change.

Relax… There is a better way to handle credit card debt!

With a personal loan, you pay off all those high interest credit cards, and you make only one payment each month for the term of your loan. Since the interest rate is usually drastically lower, you’ll pay less each month AND you’ll be able to pay the loan off sooner than you would have been able to pay off the credit cards.

Unlike debt consolidation companies, personal loans will typically improve your credit score because you’re actually paying off your credit cards, not negotiating for reduced payments, lower interest rates, and so forth.

But, what if your credit is not perfect?

Even if you’ve had a financial setback, you may still qualify for a personal loan!  If you’re serious about getting out of debt, and you meet the loan company’s criteria, then a personal loan is an option that is definitely worth seriously considering:

Pay Off Your Credit Cards AND Raise Your Credit Score?

Want to pay off your credit cards and see your credit score jump about 40 points?

Believe it or not, there’s a fast, easy way to do it!  With a personal loan, you can get a fresh start on all that old debt, save money on those huge interest rates you’ve been paying, and most people really do see their credit score jump an average of 40 points.  And all you have to do is fill out a simple, fifteen minute application that won’t even affect your credit score.  Then, once you’re approved, the money is transferred directly into your bank account, and you’re ready to pay off those credit cards and get a fresh start on your credit card debt!

Personally, I can’t think of a better way to get a fresh start on old debt, improve your credit score drastically, and get on the right track financially than a personal loan.