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How Long Do Late Payments Stay on Your Credit Report

Many people often ignore paying their bills on time, especially when the amount due does not seem like a big deal. But unknown to them, that behavior can cause an impact on your creditworthiness as a whole. What is Considered a Late Payment? A late payment is a payment on your credit bill that is paid on the day after it was due. Some lenders allow a grace period, typically 15 to 30 days, where you can make up for payments without... ❯❯❯

No-Nonsense Advice About Debt First Time Borrowers Need To Know

Borrowing money is a safety net for anyone who experiences financial shortfall. It can become an instant resolution to unforeseen events and emergencies. However, there are still some borrowers who forget that every time they take out a loan, it requires them to be responsible when repaying it. To break that cycle and practice, we have laid out the best advice every first-time borrower should know to protect them from being caught in... ❯❯❯

Is Debt Settlement the One for You?

There are various reasons why people have debts, especially this time of the pandemic, wherein the unemployment rate is growing. However, there are times when the idea for accumulated debts is just terrible spending habits. If your income cannot keep up with your spending, then it becomes a problem. One of the solutions to this kind of problem is debt settlement. In this setup, the creditor will allow you to pay less than the full... ❯❯❯

How Hard Inquiries Affect Credit Score

A hard inquiry is a check on your credit when you apply for some form of credit. They remain on your credit report for about two years. Despite the length of time the inquiry stays on your report, it negatively affects your credit score for about a year. Stated by a Chicago credit repair expert, In some instances, the hard inquiry will not affect your credit score at all. The trouble arises when you apply for a lot of credit in a short... ❯❯❯

How Much to Spend on Diamond Engagement Rings?

When you are planning to take your love to the next level, you will always want to make sure everything is perfect. However what makes the occasion special is the ring and a heartfelt proposal. After all this one occasion would be cherished by you and your better half as one of the best moments in your life Points to Ponder Buying this piece of jewelry does not seem difficult but when you visit the store and start staring at the rows... ❯❯❯

The Five Most Important Digital Marketing Skills for 2020

Digital marketing in Singapore continues changing rapidly, and as a marketer, you have to keep up with the pace. With so many innovations emerging every day, it is imperative to acquire new skills to remain relevant in the industry. From artificial intelligence (AI), programmatic advertising, chatbots, personalization, video marketing, influencer marketing to visual search, there’s always a trend emerging in digital marketing. ... ❯❯❯

Five Tips for Negotiating for Better Car Title Loan Deals

Negotiation doesn’t come easy for many people. Even if it could be the key to better deals on loans and products, the fear within can be quite overwhelming. When you think of the sky-high interest loans on car title loans, it makes sense to look for the best deals in the market. The good news is that you can get yourself good deals that will not throw your financial life upside down. The trick is finding these deals. We have... ❯❯❯

How to Formulate an Investment Strategy

As an avid investor, the first step to staying on top of your financial goals is to create a quantifiable, realistic and actionable investment strategy.  If done right, this strategy will help inform your investment decisions and encourage consistent performance. Here are 5 tried-and-true tips that will help you formulate a killer investment strategy. Set clear, well-defined and realistic goals You must be able to... ❯❯❯

How Invoice Factoring Can Help Your Business

Invoice Factoring is perhaps the most popular form of business financing. Companies in Australia use factoring to eliminate the need for traditional loans and increase efficiency. Many industries rely heavily on factoring, and, as has been proven many times, it should be. Any industry, from medical to transportation, can benefit from billing. If you are not sure, read below and find out the main reasons for receiving billing services. ... ❯❯❯

Getting Approved for a Car Lease with Bad Credit

If you have a bad credit rating, the chances of you getting approved for a loan to buy yourself your very own car are slim. So, if you have a bad credit rating, unless you really save up for it in cash, it seems like a buying a car of your own would be a questionable option. But what if you really need a car that you could use on your daily commute to work and to run your children to school with? The answer is car leasing. With... ❯❯❯