You can still remortgage even with bad credit!Written by Anthony Harrison
If you wish to organise a bad credit remortgage, don’t just head automatically for a specialist....A good mortgage company will adjust its lending criteria to suit times, thus lenders are constantly evolving to suit remortgage UK market. As a result, some mortgage providers have adopted a more accommodating attitude towards bad credit. Credit problems - result of not being able to make a payment on a financial agreement - range from a small, unintended mispayment of a bill, to a large repeated mishandling of personal finance. A mortgage provider will be wary of lending a sizeable amount to someone with a proven track record of falling into arrears. You may be at one of following stages: 1) You’re having problems getting credit – such as a personal loan, credit card or mortgage – on high street 2) You already have one of above, but have missed a couple of payments so are unsure where you stand 3) You’ve had problems in past and are currently on a specialist loan at a high interest rate
| | Two Things You Need To Know About Prepaid Debit CardsWritten by Gunnar Berglund
According to September 2004 issue of Nilson Report, around $588 billion dollars worth of debit cards were bought in United States in 2003. By 2008 that volume is expected to grow to $1.231 trillion putting a significant dent in nation’s use of pure credit cards as consumers continue to favor use of prepaid debit cards. If you are among nation’s millions who are currently using prepaid debit cards or are among those considering their use, you need to know two things that may detract and enhance your use of prepaid debit card.First, know what you’re getting. Most people understand prepaid debit card as retail gift card. Others know that such gift cards can be purchased through their local bank. What some consumers don’t know is that those purchased through their bank can come with hefty fees attached, and those fees can come in a myriad of disguises from up-front purchase fees to various administration fees including replacement costs account maintenance fees and fees for checking balance. Such fees are currently being debated in courts, but until a fair resolution is offered, it is up to consumers to be aware of what they are buying. Second, despite consumer and fair trade concerns, some applications of prepaid debit card are both innovative and convenient. For example, there are now some tax preparation services offering what is known as “stored value” card. In other words, in lieu of waiting for your refund
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