Happy Money (Payoff.com) is a technology lending platform much like an Upstart or an Upgrade. A huge difference with Happy Money is that the money behind the loans comes from credit unions. This is not necessarily a bad thing. Some would see it as a good thing. The reason I have to point this out […]
Debt Bytes Blog
How To Resolve Your Loan with Bankers Health Group
Bankers Health Group issues loans and credit cards primarily to businesses, though I do see a sprinkling of loans made to consumers as well. The loans tend to be on the high side. I regularly speak with people who have 6 figures of unsecured BHG debt, which stands in contrast to most unsecured personal loans […]
Tools To Help You Reduce Your Debt With Citizens Bank
Citizens Bank offers unsecured personal loans and credit cards. They also offer lines of credit and cards to businesses. They are a medium size bank that you will only find in certain states. If you are in the midst of a financial setback, Citizens bank does have tools available to assist you. In this article […]
How to Resolve Your Debt with PNC Bank
PNC Bank offers personal credit cards and loans as well as business cards and unsecured lines of credit. Similar to most larger banks, they have multiple policies and procedures for helping their customers experiencing financial struggles. In this article I will cover all of the mainstream ways you can look to PNC for help resolving […]
Rocket Loans Can Be Settled for Less
Rocket Loans acts as a technology driven lending platform similar to others that focus on personal loans. Their loan amounts can vary depending on your need, credit scores, and ability to repay. The amount of money they approve you for can range from just a few thousand up to around fifty thousand dollars. Many of […]
Beware FICO Credit Score Estimators
Three years ago when I was at the start of my credit repair journey, I obsessively tracked my FICO credit score using free apps like Credit Karma. I’d been on a hardship payment plan for my credit cards for over a year, and was eager to see my consistency pay off. I needed to apply […]
Secured Credit Cards Can Increase Credit Scores
In a previous article I shared how you can boost your credit score up to 90 points in 90 days by becoming an authorized user. While this method is hands down the fastest way to raise your score, it’s not the only underrated credit-boosting hack. Secured credit cards are another way to significantly raise your […]
A Super Fast Way to Boost Your Credit Score
Paying down your credit cards and letting your credit mature are guaranteed to raise your credit score. But the boosting benefits can feel painfully slow. Five years ago, my credit score hung at 550 and my apartment lease renewal loomed around the corner. I would stay up late plugging scenario after scenario into a FICO […]
Debt Collectors Calling? Don’t Make This Mistake
One morning I switched my phone into Do Not Disturb mode, and kept it that way for two years. At that point I had many unheard voicemails. I’d stopped listening to them because they all said the same thing: I owed money. Six months earlier, I lost my job and emptied my savings to make […]
Is Anxious Attachment Hurting Your Relationship with Money?
I was $33,000 in debt by the time I turned 22. This wasn’t the sympathetic, socially-justifiable student loan kind of debt. This was $33,000 of credit card debt, accrued over a 9-month, blackout-style spending spree on clothing, farm-to-table dinners, bougie gym memberships, and Instagrammable getaways. The momentary thrill I enjoyed from all these purchases would […]