FINANCIAL FREEDOM

Your complete guide to achieve financial freedom. Proven tips, tools and tactics for you to achieve financial freedom. Make money, save money and effectively manage your money.

Debt Management: Freeing Yourself from Debt

Written by Dian Herdiana on 4:19 AM

The most common mistake regarding debt accumulation is that people take it lightly and believe that if they keep paying the monthly quota, they will stay afloat. Though it is not the way to deal with debt, this technique may work for a while, but in time, interest charges will grow, and the person will become delinquent. This worse case scenario happens everyday and everywhere in the United States. Even then people still take it lightly. They even get used to the idea of being chased by creditors or any other agencies. Bearing in mind that this kind of situation also affects your health, peace of mind and your current lifestyle; therefore your life changes radically when you are in debt.

After showing you this particular case, a very common occurrence, you may think that in order to stop the harassment from the creditors and the collection agencies, the only possible solution would be to file for bankruptcy. That is when debt management comes into play, as a hero, who saves the day.

Debt management services can be found anywhere in the Internet. However, not all companies can bring a quality in service. But that is a topic that we will deal with in the future. Today, we will focus on the benefits of debt management.

- How does Debt management work? -

Debt management is a debt solution method that has several basic elements. Debt management companies help people deal with debt problems. People can receive debt reduction and the counselors from the debt management service will arrange everything for the person to make a single monthly payment instead of several, saving the client time and effort.

- What are the basic elements of Debt management? -

There are two basic elements within debt management: debt negotiation and debt management itself. But there is a third element we call Debt Guidance. It is a way of showing the debtor where he/she can learn ways of staying debt free in the future. We do not only we help you regain financial stability but also teach you how to sustain it.

- Explaining each basic element from Debt management -

Debt negotiation:
A professional negotiator from the debt management service will contact your creditors and make a deal in order to reduce your current debt as low as possible. Creditors find the use of debt management services engaging. They know that people are interested in paying off the original debt, and that is what concerns creditors the most.
Debt management:
The counselor will set up a payment plan for you that would meet your monthly quotas and will also make sure you do not fall behind on your payments and make them on time. It is very important that you do that when it concerns the full amount. Creditors will see that you are serious about paying your debts off.

During your time in the debt management program, you can also get some professional advice from the counselors in order to learn from your current situation and how to avoid it.

- Benefits from Debt Management -

By applying to the debt management program people will get:
- A reduction of debt that has to be paid monthly
- Improvement in your credit rating and your creditors are open for proposals.
- The collection process stops and also any harassment method.
- The debt payment process goes smoothly, and it is based on the client's income

An important point to keep in mind is to be very careful when choosing a debt management company. You should look out for a company that has a respectable web site and a BBB icon on it. A good way to be sure that when dealing with your money will be serious, and that the debt management company is seriously committed to working for you.

We have different articles of interesting topics and current and former clients’ experiences with our programs. Take a look at the different situations on Debt Management debt related topics that people can fall into and how to keep yourself a debt free person.
Check these links to learn more:

http://www.credit-card-debt-negotiation.com/debtManagement.shtml

http://www.credit-card-debt-negotiation.com/debtFree.shtml

About the Author: Jennifer Siegel is a contributing writer to http://www.credit-card-debt-negotiation.com/ Is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy.
For Free Information on Debt Management and Debt Help Consultation, call toll-free 1-877-850-3328

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Bring home several advantages with secured loans

Written by Dian Herdiana on 1:47 AM

A loan can be secured by providing a security to the lender. Suppose you have taken a loan and provided your home as a security against the loan amount, it means you have taken a secured loan. Lenders willingly provide loans to homeowners. A homeowner can also exploit this situation and negotiate to get maximum advantages.



People borrow money to lighten their miseries and make their life easy. However, the usual question that arises is: what is the easiest and most economical way to borrow? Secured loans can surely provide you many advantages. A good bargain will help you get the following benefits:

Low interest rates
Flexible monthly instalments
A loan amount that takes care of all your big needs
Easy and quick availability

The concept that works in case of secured loans is simple. A lender gets assurance in the form of security and, consequently, a borrower gets loan on relaxed terms. This ‘give and take’ approach makes it easy for both sides. Still, there is a downside. Like every good thing in the world, you have to pay a price in case of secured loans. The price is the risk that is an inbuilt feature of secured loans. If you fail to keep up with the repayments, you might have to lose your home. Besides, you may end up being blacklisted if you fail to repay the loan amount or the interest you owe on it.



There are many lenders who offer a variety of financial products. You can approach them online or decide to meet them personally. Since applying online take less time and is also a more convenient and trouble free option, many people prefer these loans. So, it is up to you to decide whether you prefer traditional form of borrowing or want to go the electronic way.

Author Info:

The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting loans11, as a finance specialist. For more information about fast personal loans please visit http://www.loans11.co.uk/

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Debt Consolidation Loan: One to Counter Others!!

Written by Dian Herdiana on 2:43 AM

Author: Henry Kruz

It is truly fulfilling to have extravagant holidays, Christmas shopping, a car and a house. But all of these luxuries are not for free; they are pretty expensive to say the least. You have to either rob a bank or borrow some from it! Loan looks as an easy way of realisation of your dreams into reality. But the repayment of these loans in terms of instalments seems pretty intimidating.

Well brother, it happens with everyone for there are a few who are born with a silver spoon. The rest just have dreams of luxuries and temptations that we succumb to, the moment they call on us. However, they come with penalty... a vicious circle of loans and their instalments. Our salaries look paltry against them and it becomes tough to carry on like that.

The solution for you and at least a thousand others is to go for debt consolidation loans. Basically this kind of loan is specially made for those borrowers who can pay their multiple loans in a consolidated manner. To simplify it further, when all your multiple loans are clubbed together with a single rate of interest, it becomes a debt consolidation loan. In this way, all the minor and major loans are consolidated into one and so is their rate of interests. The biggest advantage of debt consolidation loan is that you have to pay a common rate of interest over all these loans.

The other advantage of debt consolidation loan is that you don't tend to miss out on those small loans that always skip from ones’ mind in the presence of those huge loan amounts and bigger instalment. It is also helpful to retain a clean credit history and avoiding arrears and defaults in the recorded loan history.

Applying for debt consolidation loan has become much easier and hassle free thanks to the revolution called online marketing. One is able to apply for these loans totally on line. In this way, this loan can be easily obtained by a mere click on your desktop/laptop and for that matter even through your mobile phone! Ways are many, solution only one that can ease of all your tension regarding your uncertain financial future.

About the Author:

Henry Kruz is an expert editor who write the articles on various themes. His aim, in this article, to describe about debt consolidation loans how it is beneficial. Visit for more information on secured loan & unsecured loans too.

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Proper Personal Finance Management

Written by Dian Herdiana on 8:49 AM

Author: A Bohart

Rising consumerism and easy access to credit has given rise to overspending, even by an average income earner. The result has been an increasing number of people caught in a growing debt burden. The problem is worsened simply because most people care very little about managing their finances, or about proper personal finance management. The fact is, you'd get more benefits if you take your personal financial management seriously. Here are some ideas which could help you

Wisely Use Credit Cards

Credit cards are the most popular method of getting credit. They are easier to secure, and easier to make use of - just select an item, carry it to the cashier and swipe your card. Not needing to carry cash around encourages many people to simply swipe their cards on the ever-present credit card terminals, not realizing or not caring that everything ultimately goes on their tab. Please remember that the more you swipe your card, the more debt you are building up.

Proper financial management means taking precautions so one can minimize credit card debts. For one, use your credit card only when there is no other alternative. Two, spend on your credit card only the amount of money you have to spend. Bear in mind, the credit card company will start charging penalties if you are not able to settle your dues on time - which will only add to your debts and will worsen your problem.

When applying for a credit card, shop around first. Look for the company that charges the most favorable interest rate. Keep in mind that paying a low interest rate means saving some money for other expenses.

Consider Debit Cards

Another approach is to avail of debit - not credit - cards. The advantage here is that your spending is limited by the amount you have in your account. As such, debit cards have inbuilt protection against overspending and the ensuing loss of financial control.

Go with Secured Personal Loans

Personal loans are another source of finance. Personal loans will make you financially stronger and more secure - if you use the loan constructively, that is. If you are taking out a personal loan just so you can spend some more money you don't have, taking out a personal loan is just going to speed up your financial decline.

If you decide on this approach, your priority should be minimizing loan costs as much as possible. As such, you should avail of personal loans that charge the most favorable rates of interest so you can save up on interest charges that will only add to your indebtedness.

When taking out a personal loan, opt for the secured personal loan - that which puts up any of your properties as collateral. With a secured or collateralized loan, lenders will be more willing to lower their interest rates and offer you a more favorable payment schedule.

Save First

To have more financial control, you need to exchange your habit of expenditure for a habit of saving. If you save enough money, you won't need to take out a loan or a credit card for sudden and unexpected expenses. You can just use your own savings and as such, you're not going to have to pay interest.

Wise financial management encompasses spending only on what's necessary and what's within budget. Never borrow money so you can spend more. This will never work and you will be just digging your financial grave when you do this.

About the Author:
Allen is a life-long writer and reader who writes on a number of subjects including personal finances and Internet marketing.

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Small Claims Courts and How They Work

Written by Dian Herdiana on 5:54 AM

Submitted by clunsford

So you’ve decided to go down to the courthouse and go to the Small Claims Division. What now you ask. Let’s take a look at the how and why regarding small claims courts. How did they come about and why are they used so extensively.

The first small claims court was created in Cleveland in 1913. Within a few years every state had such a court of limited jurisdiction. Small claims courts are attractive for consumers who want to collect a small debt or recover damages for a faulty product or for shoddy service. However, small claims courts are used heavily by businesses and public utilities that want to collect payments from customers for unpaid bills. In a single court session, a department store, utility company, or hospital may obtain judgments against a long list of debtors, making the process very economical.

We do not need an attorney to represent us. When you do go to courtroom, you will perhaps be surprised to see this group of people, wearing official badges and sitting in the jury box. Relax; you didn’t accidentally stumble into some major hearing about to take place. Read on.

These folks are called mediators. They have been handpicked by the court and are highly qualified to act on most cases. They have years of knowledge and experience that effectively works for both parties. When the clerk of the court calls your name and the name of the other party, you will both stand up. When the clerk of the court recognizes both parties are present, he or she will hand a mediator your file at which point your little group goes off into a private room.

The mediators do not get to see the file beforehand. The mediator looks at the file, read the statement of claim and asks if there is any conciliatory manner in which the problem can be solved, short of a trial before a judge. During the discussion that follows both parties soon realize the additional costs, time and chances of losing might be. The mediator’s efforts are to settle this out of court. If there is no chance for settlement, you are then instructed to go back into the courtroom and wait for the judge.

It’s unlikely you will have a trial that day. The clerk of the court has to schedule it for another day. Sometimes the judge will hear trials that day but you have no idea at what time. If you do decide to stick around that make sure you are ready when your name is called. If you or the other party is not present then the absent party loses by default.

The small claims courts work very efficiently and you can receive rewards up to $7500 depending on the state in which you reside. How to collect is another matter entirely.

About the Author

Chuck Lunsford is the owner and developer of EasyFloridaHomeLoans.com. He offers advice on how to get your credit in order and working for you. Visit his website and learn more about florida mortgage rates.


Source: ArticleTrader.com

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Second Mortgage a Good First Step

Written by Dian Herdiana on 5:47 AM

A second mortgage can be the first step to climbing out of debt, especially for homeowners who have bad credit. A second mortgage is a loan taken out in "second position" on a property that already has a mortgage. There are fixed-rate loans, adjustable-rate loans and home equity lines of credit (also known as HELOCs). Fixed-dollar-amount mortgages are the way to go when you need all the money at once. A HELOC is a credit line that can be drawn upon as needed up to the limit of the loan.

"Bad Credit" Second Mortgages
Your right to credit is guaranteed by the Equal Credit Opportunity Act. You can't be denied credit based on race, gender, marital status or ethnicity. But how much money you can borrow and how much interest you will be charged will depend on your credit score.

Credit is easy to get and hard to control. Not using it properly will get you a low FICO score from the three major credit bureaus. Generally, a score of 680 or better signifies good credit. Scores in the 680-620 range are still considered good, but will cause creditors to take a second look before lending you money. 620 and lower, and you are in the bad credit range.

Here are some indications that you are in bad credit territory:

  • You have to apply for new credit cards to pay off old ones, thus rotating but not retiring your debt.

  • You can only make the minimum payments on your loans and cards each month.

  • You are at the limit on all your cards and accounts.

  • You have to get subprime financing when you need to borrow money.

Improving Your Financial Situation
It's a catch 22 that getting a bad credit second mortgage can lower your FICO score initially, but it can also help raise it in the long run-if you use the money to pay off high interest debts. This new loan doesn't reduce your debt; it just restructures it to help you get back on your feet financially. An added bonus is that the interest you pay is tax deductible. The IRS says joint filers can deduct all the interest to a maximum of $100,000 on home mortgages.

It's easy to shop and compare bad credit second mortgages online at reputable sites like www.badcreditsecondmortgages.com. The no-obligation application process is quick and confidential. Interest rates are still relatively low, but might rise in 2006, so now is a great time to see if a second mortgage is a good financial move for you.

Author Bio
Mike Hamel is the author of several books and the Senior Writer for AIM Techs (www.salesandmarketingllc.com), an Internet marketing company that specializes in improving visitor-to-sale conversions using proprietary software and advanced SEM techniques.

Article Source: http://www.ArticleGeek.com - Free Website Content

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Home Equity Can Save You from Financial Crisis

Written by Dian Herdiana on 12:58 AM

Equity is simply the value of a property after all debts have been deducted. If your home appraises at $300,000 with a home loan of $150,000, you have $150,000 in equity. Whether you realize it or not, this equity can get you through hard times or provide you with a funding resource. Let's look at some examples.

Medical Emergency

If you get though your life without any financial emergencies, you are considered a lucky person on the earth. Unfortunately this luck does not follow most of the people on earth. We can't foresee any emergencies which may happen in the future. If you don't build your wealth at the current time which you can control and plan, you be dragged into a deep debt problem and face a serious finance crisis if any unforeseen emergency pop up which suddenly need a huge amount of money to resolve the problem.

Example of common emergency is serious medical treatment in major illnesses and serious accidents are required huge amount on medical bills. If you ever run into this situation, you will be extremely thankful if you have purchased a home. With a home equity, you can get a home equity loan easily or get a home equity credit line to cash out the needed money.

Loss of Income

Sudden loss of income may lead your to trap into debt. Your credit card debts and other high interest rate debts will start to accumulate if you miss your monthly payment due to loss of income. If your have ever build your wealth with home equity, now it will become your financial crisis saver to minimize the negative impact. With your home equity, you could easily do a debt consolidation with home equity loan. Home equity loan is carries much lower interest rate and have a flexible repayment term for you to choose from. By consolidate your debts into one home equity loan. You monthly repayment will be much lower as compare to your other high interest rate debts. Thus, it reduces your financial burden and buys you some time while you are sourcing for new income.

Education

College tuition is not cheap these days and the education expenses on your children may be very costly and can be a nightmare for parents. Home equity can put an end to college tuition nightmares. You can borrow the money against your home equity to pay for your children's college expenses.

Summary

Home equity is built over time. As equity builds, you create a pool of money to access in trying times. Growing equity is a great way to pursue wealth building and it can provide a financial cushion when life gets hard.

This Wealth Building article is provided by Articleteller - The Free Article Directory http://www.articleteller.com

Cornie Herring is the Author from "StudyKiosk-Credit Basics"- www.studykiosk.com/creditbasics. "StudyKiosk-Credit Basics" is an informational website on credit basics, debt consolidation and bankruptcy.

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Loans and credit cards – and bankruptcy

Written by Dian Herdiana on 6:47 AM

Michael Challiner
Sound Secured Loans
Holmes Chapel, Cheshire

Not so very long ago the moral climate in this country was very different. People had more time for each other, and more time to examine and compare their own moral standards with others. One of the many results of this was an almost unspoken pride in making your own way through life without looking for handouts from the state or elsewhere.

This resulted in a high degree of poverty in the working classes and the unemployed with their determination to be in debt to no one, but also a resolve in the so-called middle and upper classes to avoid financial embarrassment. The lowest point of this ‘loss of face’ was a declaration of bankruptcy – the shame which this carried with it is difficult to comprehend nowadays, but it was very real then. People lived (often very precariously) within their means and a failed business venture was a usual reason for total loss of credit.

Credit – even that word has undergone a subtle change of meaning. It used to be a means for businessmen to raise funds for expansion or a new venture, and was a word with very limited use outside the business world. Nowadays credit is more often taken to mean the opportunities for individuals to spend more than they earn and to live beyond their means, with a concomitant increase in the numbers declaring bankruptcy.

This situation however seems to have lost its aura of shame, and instead has become, whilst not quite a badge of pride, at least an apparently easy way out of a crisis of ones own making. In 2005 there were almost 70,000 individuals declared bankrupt in England and Wales; the trend would seem to indicate that the figure for 2006 will exceed 100,000.

This has resulted in an explosion in bad debts to a current average in the UK of over £3000 per person – a staggering total of over £190 billion. High street banks report that they are being particularly hard hit.

Why so many? There are two major factors involved – the availability and the variety. Credit is now very readily obtained, with some financial institutions positively anxious to lend sums of money which are at best loosely related to the borrower’s income. The increased variety is provided in the form of debit and credit cards, mortgages, unsecured loans and ‘schemes’ such as consolidation agreements.

A further problem is the refusal by many people to see the problems they are facing and to deal with them whilst there is yet time. They tend to close their eyes and hope it will all work out, which to some extent it does – by a declaration of bankruptcy! This can result in loss of their home and most of their possessions and, doubtless in many cases, the break up of their family.

One improvement for bankrupts is in the increased cost of housing which can mean that they have sufficient assets to pay their debts but do not necessarily have to sell the property, despite their lack of available funds.

Does the problem start in schools? Not because pupils are going bankrupt, but because proper education in financial matters is virtually non-existent. This really would be useful education – learning about the costs of credit, how to use credit cards responsibly, how to say no to that unrepeatable bargain, how to operate a bank account etc. All of which would be remarkably useful information in the credit crazy 21st century.

In addition, people need to know the cost of loss of control over their financial affairs. That administrators will take control of all their financial decision making, and that there could be criminal charges for irregularities. That restrictions on their actions can continue for up to 15 years after discharge. Perhaps most telling, the information that an administrator will for their services, take a 15% levy on all income received by the bankrupt person. This at the time when for the bankrupt every penny will count as never before.

Bankruptcy Restriction Orders are likely to be served on around 10% of bankrupts who are deemed to have been reckless in their move into debt, and are to be made very much aware that the condition is ‘self-inflicted’. A restriction order operates for up to 15 years, and prevents trading under a different name or acting as a company director, and makes credit virtually unobtainable.

If you see problems looming up or will admit to being in difficulty with your finances, you can visit www.nationaldebtline.co.uk (or if preferred ring 0808 808 4000) where the National Debtline are ready to provide impartial advice free of charge. Their purpose is to give help where needed, and to reduce the number of bankruptcies.




Get great articles on Secured Loans from Sound Secured Loans www.sound-secured-loans.co.uk

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Students – Be Careful With Credit

Written by Dian Herdiana on 9:33 AM

So, you’re a student attending college, and you’ve been tempted by the idea of credit cards. Nothing unusual there, most of us from all walks of life have the same temptation. The difference for you the student is, as you’re just starting out, the way you deal with credit now can affect you in many ways, for a long time into the future. In years to come you may need a mortgage, a car, etc, and establishing a good credit record now will be very useful. These days your credit history can even affect the way potential employers look at you.

For a lot of young people getting a credit card when they have no credit history is nigh on impossible, but fortunately college students are in a better position. They are seen as less of a risk by the credit card companies than certain other groups of youngsters, and so are more likely to be offered a card. Using this first credit card responsibly is extremely important.

The reason you have to be careful is that your use of the student credit card is monitored very closely by the issuing company and the credit bureaus, and because you don’t yet have a good credit history behind you, any slip-ups like late payments etc are viewed rather seriously. So, it is absolutely vital that you make at least the minimum payment every month. Even better, if you could manage to pay a bit more than the minimum each month then that would stand your account in very good order.

As it’s your first credit card, you will probably be paying a high rate of interest. This is why it’s important to use your credit card wisely. Once you are viewed as a responsible user of credit, you should be offered credit cards with much lower interest rates. Also, further down the line you will be able to attain better deals from the aforementioned mortgage companies, loan companies, etc.

If you take liberties and misuse your credit during your college years, then you could well live to regret it. Never mind the scary tales of students getting into trouble with credit cards, if you have some common sense and a bit of self control you should definitely get yourself a credit card and start building that credit.

All rights reserved. This article may be reprinted as long as the content remains unchanged and any links remain active.

Author Info:

James Hunaban: James Hunaban is the owner of http://www.credit-cards-aplenty.com/ and http://credit-cards.jims-info.com/ sites full of Credit Card information.

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The Truth About Bad Credit Loans And Mortgages

Written by Dian Herdiana on 9:32 AM

Many people will have the experience of facing financial difficulties at one time or another for a variety of reasons. Being a little short of money can result in you falling behind with bills, bank loans, credit cards, mortgage repayments and alike.

This in turn can lead to having defaults, County Court Judgements (CCJ’s) and even bankruptcy. Even if the problems are short lived they can still tarnish your credit record and make it difficult for you to obtain finance.

There are no accurate figures on the amount of people that get turned down for a mortgage from a high street lender, but it is widely estimated that it is about 1 in 5. Generally this is due to minor misunderstanding and can often be resolved. But even after this it is estimated that one in eight people will not be able to get a main stream mortgage and have to go to a specialist lender.

Why Do People Get Turned Down For Credit?

There are a number of reasons and situations for which someone will be turned down for a mortgage. It may simply be that the applicant has put down some incorrect details on the application form. Another reason might be that your previous landlord did not bother to confirm that you used to pay the rent on time.

Another more serious reason that people get turned down for a mortgage is that they do not have enough credit points. When you apply for a mortgage the lender will carry out a credit check on you.

You will gain credit points for a number of reasons for example if you have had the same address, job and bank account for a long time. Also people that keep up to date with repayments will gain points as well. But you will lose points if you have defaulted on debts, fallen behind with bills, have CCJs or have been made bankrupt.

What Can You Do If It Happens To You?

If you do get turned down for a mortgage or loan the first thing you should do is find out why. If you did fail a credit score the lender may not tell why, the credit agency that they used will know. It may be a mistake on their part, or an old default that should no longer be on your file.

The best thing to do is to get hold of your credit record from one of the agencies. The three main agencies are Equifax, Experian and Call Credit. If there is some kind of mistake then you can get it sorted.

Another reason that you may get declined a mortgage or loan is because you have not built up enough credit history. If this is the case then it might be an idea to take out a couple of good credit cards (there are always good deals to be had). Use them to purchase things and pay them off straight away.

What If You Have Had Serious Credit Problems?

If a high street lender turns you down for a secured loan or mortgage, then you will need to look towards the sub prime or bad credit market place. These specialist lenders have a vast array of bad credit loans to cater for people in a variety of different situations. Whether it is just a defaulted credit card that happened 12 months ago for £300 or a recent CCJ for which you still owe thousands. Whatever your situation is the chances are you will be able to find a lender.

Generally the worse your credit history is the higher the rate of interest you will pay, this is because you pose a higher risk to the lender. For example if you have two CCJs you will pay higher rate than someone who has a single default. The good news is that you have plenty of choice, there are thousands of deals out there for people with credit problems.

The easiest way to find a deal and suitable mortgage or loan product is to use a broker. The broker can carry out a credit search and based on the results they will be able to determine what your best options are. The majority of the bad credit lenders are not household names. Some of these lenders are owned by American companies and others are subsidiaries of high street lenders.

Getting The Best Deal

As previously mentioned the worse your credit history is, the higher the interest will be. If you have a light bad credit history, then as long as you keep up with repayments then you might be able to switch to a mainstream deal after two years.

If you have heavy bad credit history then you may have to wait three years before switching lenders. So for this reason it can be advisable to avoid products that tie you in for long periods.

So when the deal comes to an end, and you have kept up with your repayments you should look to move to a standard deal, possibly with a high street lender. Hopefully by this time your bad credit history will be long behind you.

This Loans article is provided by Articleteller - The Free Article Directory http://www.articleteller.com

Chris James enjoys writing on a number of areas in the finance industry. He is a bad credit loans consultant for Adderson & Co.

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