Free Online Dating Websites - No Credit Card Required

You want free online dating websites, no credit card required. This article will tell you what few people know. You will learn the type of dating site and service to avoid. You will find out the best type of service to get results.

Do not - I repeat, do not - waste a moment of your time with the personals section of online classified sites. Why, you ask? These sites are a hunting ground for clever and unscrupulous marketers, selling everything from adult webcams and dating membership sites, to pills and devices that enlarge your penis. You write a personals ad on one of these sites and dozens of people respond. All - almost all, sometimes all - of the responders are marketers trying to sell you something. They get you to join a website to see their dating profile or fill out a form to see them on webcam. Please, do not be fooled. Avoid this type of service like you would swine flu!

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Another type of site to avoid is the "supposedly" totally free dating site. These sites are usually replete with fake profiles of, yet again, clever marketers trying to sell you something.

Free Online Dating Websites - No Credit Card Required

Now, of course, not all classified and free dating sites are no good. I'm just generalizing. In my experience, though, almost all are full of marketers trying to get you to reach for your credit card.

What I suggest to my friends - and anyone who will listen - is to join a free community at a major dating service. Take your pick. Most people are put off by the big dating sites because they have a paid service. They think they have to use a credit card or Paypal or something to join and use the features. This is just untrue. The big dating sites have communities for free members and for paid members. You upgrade to a paying member to get the benefit of more features.

Now the benefit of using these dating sites is they do not - I repeat, do no - have marketers hounding you. These services have clever software and teams of people who prevent it from happening. This means if you receive 200 emails from different women, they are all "real women."

Free Online Dating Websites - No Credit Card Required

I Have Bad Credit and Need a Credit Card

I have bad credit and need a credit card, but where to look? When I have bad credit and need a credit card, I can find a variety of lenders willing to provide me a credit line online. Having no credit, or a poor credit score will not slow you down from finding all the convenience and ease of financing with a charge card.

Available Charge Cards for Bad Credit

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You will have two options for a charge card when you are shopping with bad credit, namely a secured cards and unsecured cards. These two types of cards are often referred to by other names, but they amount to the same. Some of the names include:

I Have Bad Credit and Need a Credit Card

Secured Cards:

Stored value cardDeposit cardsPrepaid cardsPre-load cards

Unsecured Cards:

Charge Cards No Deposit Credit Cards Unsecured Charge Cards

Your two options to choose from when looking with no credit amount to whether or not you will have to put down a deposit, or an initial debit, to secure your credit line. A secured card requires you to either make a deposit or begin your account with a debit as collateral for the money you intend to borrow by making purchases. An unsecured credit line does not require this additional security measure but will typically charge higher interest rates to offset the additional risk.

Guaranteed Approvals - Apply Today

There are many easy to qualify for guaranteed charge programs that are willing to provide you another opportunity for building your score and establishing a good credit record. Modern living almost requires the convenience of a handy credit line for making purchases and providing extra security in times of cash crisis. Don't wait, start to rebuild your financial reputation today.

I Have Bad Credit and Need a Credit Card

Home Loans - The Minimum Credit Score Required For a Home Loan

There is no question about it, the real estate game has changed and getting a home loan is not as easy as it used to be. It wasn't so long ago that they were practically giving home loans away, but given the recent collapse of the real estate market, the requirements for getting a home loan have become much stricter. These days you need to show proof of income, the days of 100% down are all but gone, and the minimum credit score requirements are much higher than they once were.

The bottom line - as far as the minimum credit score requirements for a home loan goes - is that if your credit score is below 640 you're going to have a pretty hard time getting a home loan. That isn't to say that it's impossible. There are a good deal of bed credit home loan options out there, but you will have to jump through many more hoops and you will likely wind up paying a higher interest rate. It is always recommended that you take a few steps to improve your credit before you apply for a home loan, no matter how low or high it currently is.

Home Line Of Credit

If you do have a low credit score and you would like to get approved for a home loan anyway, what you might try first is contacting a mortgage broker. There are a number of specialized programs out there for people with low credit and they will be up to speed on exactly what options are available to you at any given time.

Home Loans - The Minimum Credit Score Required For a Home Loan

Home Loans - The Minimum Credit Score Required For a Home Loan

The 5 C's of Credit

Are you ready for the home loan process? Knowing the 5 Cs of credit will help you understand just what your lender is looking for. We'll let you take an inside peek at the training tips we give to the loan officers who come to Complete Mortgage Processing for help:

Credit Character - In analyzing a borrower's credit history, you first need to have a goal in mind. The goal should be to confirm that the borrower's history meets or exceeds the credit guidelines for the product/program you wish to have the loan underwritten to. In making the confirmation, you should consider these factors separately as not meeting any one of them could drop the borrower into a lower credit grade. Compare the credit report to the lender's underwriting matrix or underwriting guidelines to evaluate the following:

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The FICO score - Is it within an acceptable range for the loan program? How does the lender determine the score -the lower of two or the middle of three?

The 5 C's of Credit

The mortgage payment history - Is the number of late payments at or below the lender's standard?

The number and characteristic of each open trade lines:

The quantity - Are there enough traditional credit trade lines? If not, is alternative credit allowed. If so, what are the documentation requirements for alternative credit sources?The installment/revolving account payment history - Is the number of late payments at or below that stated standard?The installment/revolving account age or seasoning - Does the account meet the aging requirement -12 months, 24 months, etc.
The installment/revolving account credit limit - Does the account meet the required standard for credit line limit?

Here is an example of a lender's trade line requirements:Minimum of 3 trade lines, 1 year established, with 1 credit line of ,000 or more

Public records - Are there any? Were they disclosed? What is the status? How will they affect the underwriting decision?

Social security number(s) - Are they consistent with the information disclosed on the 1003?

Derogatory credit - Other derogatory credit. Can we document the status? Has it been satisfied or will it be satisfied on or before closing?Inquiries -How many have there been in the past 6 months?

Duplicate entries - Can you confirm that it is in fact a duplicate? Can you get it removed prior to underwriting submission?

Capacity - Regardless of how good a borrower's credit is, they must demonstrate the financial capacity to handle the debt. Reviewing the borrower's past income and employment history is the best indicator of the ability to handle future debt. The following items should be considered when analyzing your borrower's capacity:

Stability -Has the borrower's employment remained stable for two or more years? Has it been in the same or a related field? Does the income fluctuate or is it consistent?

Income Type -What is the nature of the borrower's income? Is it wages, commission, or other? What is the frequency? Is it on a regular recurring schedule or is it seasonal? Is it bonus income tied to performance and therefore not guaranteed? If it is from a source other than traditional employment, how long will it continue?

Income amount - Is it adequate to cover the proposed new debt? Does the income show a pattern of decreasing or declining?

Capital -The capital that the borrower has on hand for down payment, closing costs, and/or reserves will impact your product choice. It will also impact underwriting. In the last module, we made note of the type of funds that are considered to be "liquid assets". In reviewing capital, consider them as the underwriter would:

Ownership - Does the borrower have full or limited access to the disclosed capital/assets? If not, what portion is available for the loan transaction?

Access/Liquidity - Are the funds liquid now or will they be soon? Is the borrower fully or partially vested? Are there penalties for withdrawal? Will the disbursement process be complete prior to the approval/rate lock expiration?

Amount - Is it enough to meet the requirements for down payment, closing costs, or cash reserves? Being able to answer the questions "Whose is it?" "How much is it?" and "When can they get it?" will help you evaluate your borrower's capital.

Conditions - An underwriter looks at the many documents in the loan file to determine if there are any disclosed or undisclosed factors that might adversely affect the borrower or subject property. A few considerations include:

Employment at a place that has had a public announcement of shutting down.A recently awarded divorce settlement where the borrower has to payout significant proceeds or will have a high alimony/support payment.A lawsuitAn adverse change in the industry that the borrower is employed inAn adverse change in the area where the subject property is located
Collateral - A loan is secured using the subject property as collateral. Since the property is the lender's protection against default, it must be structurally sound and functional. When evaluating the collateral, an underwriter considers:

Features -Are the features and style of the home consistent with what is available in the area?

Functionality -Is the home functional or has it been rendered obsolete by outdated features and capability.

Condition - Is the home structurally sound and visually appealing? Is the home inhabitable or is it a dangerous contraption. Is the home complete as is or will renovations be required?

Property type/Use - Is it residential or commercial? Is it owner occupied or is it a rental unit. Is it vacant or occupied?

After carefully and cautiously looking at all of these items and how they stack up to established guidelines. The underwriter should he able to confidently make a credit decision.

The 5 C's of Credit

How to Find Catalogs With No Credit Check

Coping with a bad credit history can be hard as most financial companies rely heavily on your funds management history to determine your eligibility for certain products and services. However, even with a poor credit score, several stores would still want to do business with you! Catalog companies offering credit lines in their stores allow you to purchase appliances, furniture, entertainment packages, electronic devices and other items on credit despite that fact that you have suffered from a recent financial downturn. These catalog companies process your application with no credit checks, and thus whatever history you have will not hold bearing.

There is a limit to such credit lines, though. It is only applicable to goods advertised in their catalogs or available in their stores. You cannot use them in other stores like what you do with other credit lines. Nevertheless, it remains to be one of the best options of someone with bad credit. This will not only allow him to make necessary purchases, it will also help re-build financial standing.

Home Line Of Credit

So, where and how can you find catalogs that offer no credit checks? That would be plain easy. You can check the internet and your search, whatever search engine you use, will lead you to hundreds of catalog companies that will be willing and able to provide you the services that you need. The problem now is on how to choose among these hundreds.

How to Find Catalogs With No Credit Check

Never limit yourself to a handful of companies. You can read what they have to say in their websites and you can even ask what they can offer after you give them some of your financial details. You will find that many of the ones you contact will send you replies in no time. This may sound easy and fun, but do not take this lightly. Remember that this decision can affect your credit score in the future, so you need to choose which company to apply for very carefully.

Most of these companies will require an application fee. While you need to consider how high their application fees are, you must not completely dwell on it. Research further and check their interest rates, their payment methods, their minimum payments required and other important factors. If you limit yourself to the ones offering the lowest application fees, you may end up paying for high interests later on. Also make sure that their payment schemes are manageable. Else, you end up deeper in debts.

How to Find Catalogs With No Credit Check