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Archive for the 'Debt Consolidation' Category

Is it Still Possible to Get a Bad Credit Personal Loan?

Published by Gina Pogol on November 11, 2009 in Debt Consolidation . 0 Comments

For those with good credit or bad credit, debt consolidation has become more difficult as home values tumble and available home equity evaporates. But what about debt consolidation with personal unsecured loans? Can you still get them if you have bad credit? Do you even want one if you can get it? Recently, Bank of America ...

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Don't Tank Your Credit Score: There Is a Right Way to Consolidate Debt

Published by Gina Pogol on October 27, 2009 in Debt Consolidation . 0 Comments

There it is--in your mailbox, in the envelope with the exclamation points and smileys all over it. A CHECK! Made out to YOU! Sign a few documents, and you can replace all of your credit card payments with just one. What's not to like? Maybe a lot. Remember, the big print giveth and the fine print ...

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When You Should Avoid Debt Consolidation

Published by Gina Pogol on December 18, 2008 in Debt Consolidation . 5 Comments

Debt consolidation seems like a no-brainer. You replace high-interest credit card debt--issued by companies that can seemingly change the rate and terms of your loan at will--with a better loan. The new loan lets you lower the payment by stretching the balance over a longer term, the rate is often much lower, the interest may ...

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Financial Emergency? Give Yourself a Raise with a W-4

Published by Gina Pogol on December 02, 2008 in Debt Consolidation . 0 Comments

There are many ways to give yourself some breathing room in a financial downturn. Refinancing, consolidating debt, using low-or-no interest balance transfers, eating in, using the library, taking a second job--but one often-overlooked option could put money instantly in your pocket. In an emergency, you need your money more than the government does. By adjusting your ...

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Debt Consolidation: Be a Success, not a Sucker

Published by Gina Pogol on November 03, 2008 in Debt Consolidation . 2 Comments

A debt consolidation loan is heavy artillery--a serious solution for a serious problem. So you don't want to waste it by getting silly with the money you save each month. Debt consolidation is like a diet--you can make it part of a healthy lifestyle change and go on to a better life, or you can ...

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Can Debt Consolidation Hurt Your Credit Rating?

Published by Gina Pogol on September 15, 2008 in Debt Consolidation . 5 Comments

It comes in the mail. It has lots of exclamation points on it, so it must be GOOD!!!! It comes with a CHECK. Pay off all your bills! Consolidate your credit cards to one monthly payment! Replacing all those credit cards and consumer loans with a single loan MUST be good for your credit, right? And ...

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About Mortgage Credit Problems

Specializing in Bad Credit Mortgages… Because Life Doesn’t Always Turn Out Like You Planned. A sick child, a few late bills, or an unexpected expense can easily get you off track and your credit may suffer, but we don't think you should miss out on the opportunities available to everyone else.

Gina Pogol

Gina Pogol

About the Author:

Gina Pogol writes for an online media company about mortgage and finance. In addition to a decade in mortgage lending, she formerly consulted for Experian and other credit bureaus, and worked as a tax accountant for Deloitte. She has a BS in Financial Management from the University of Nevada.

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Recent Comments

  • Capsiplex: Interesting idea, where can I learn more about this?
  • Plavuse: Ues, but not everthing black and white, something is gray :) Miranda
  • Robin: If you have a bad credit history still the loan market place is full of lenders who are ever willing to offer you a...
  • Laura: similar situation to Crystal above. Except, our FHA mortage was included in BK, but we have kept the payments up and...
  • Edward De La Rosa: was on a forbearance program with two months left and now I am on permanent social security disability income.Do I...
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