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3 Ways to Improve Your Credit Score

1/10/20Ricky BaizasPersonal

What does your credit score tell lenders? Having a high credit score is what some people would call the real American Dream...The concept of credit is really just a history of formations of trust between you and whoever is lending you money - you are promising to pay back money that you have borrowed. Young adults, for example, might want to purchase a car, but maybe haven’t saved up enough to pay for it outright. The options and methods that one can use to pay for things without having cash in-hand can be confusing and intimidating to sort out, but also can provide relief and security when in a pinch or desperately need to make a large purchase. So, whether you are financing a car, applying for a credit card, or leasing an apartment, chances are that your credit score will have a major impact on your financial opportunities at many different points in your life.

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Bridge Loans for Small Businesses

1/10/20Ricky BaizasSmall Business

Most small businesses could use a little extra cash on-hand for when you need to make an important purchase quickly, especially when just starting out. Whether it’s to secure a piece of real estate or to make sure that you can pay your employees on time, sometimes small business owners need the quick help that commercial bridge loans offer.

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Payday Loans vs. Personal Loans: What You Need to Know

1/10/20Ricky BaizasPersonal

Everyone gets themselves into a financial pinch at least once in awhile. Whether you had to miss a week of work because of an illness, or an unexpected car repair comes up, there are bound to be times when your paycheck may not cover all of your monthly expenses. If your savings are running low, and you need money to cover a short-term expense (like a monthly bill), know that you have options that can help you get through those temporary tough times.

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How to Negotiate Credit Card Debt

1/10/20Ricky BaizasPersonal

Most of us are guilty of having at least some credit card debt. It is incredibly easy to reach into your wallet, move right past the cash, and grab one of the various pieces of plastic to pay for items, whether we can actually afford it or not. “I’ll buy it now, and I will worry about paying it off later!” Sound familiar? Don’t worry, you’re not alone. According to Forbes, around 75% of all Americans have at least one credit card, so that temptation is shared by plenty of other folks.

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