checking credit reports

How Long Do Late Payments Stay on Your Credit Report

Amid the Coronavirus pandemic,  people have been struggling to make ends meet and keep businesses afloat.  The global crisis has…

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Removing paid collections from credit report

How to Remove Paid Collections from Credit Report?

About to take up an important loan? Or maybe you want to fund that personal project you have been planning…

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lady holding Free Government Phone

Which Free Government Phone Provider is the Best?

Cellphone is an important part of our daily life. You need it at least for texting, calling and using the…

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Insurance umbrella

5 Best Long Term Insurance Companies

As a lot of working adults are looking to buy long term care insurances to secure their health and finances…

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checking credit reports

How Long Do Late Payments Stay on Your Credit Report

Amid the Coronavirus pandemic,  people have been struggling to make ends meet and keep businesses afloat.  The global crisis has already led many countries – even the leading ones, in debt as they aim to support households.  The situation, nonetheless, has seen a boost in online purchasing as it is deemed more secure. While shopping outside is discouraged, contactless, and digital payment methods with less physical interaction emerge.  Credit cards have been one’s best friend ever since and Penny Saved gathered tips on how you can properly maximize its use and avoid mortgages. Credit cards offer important means when you’re out of budget, which implies it is a lifeline in getting basic needs during this situation. This is proof that it’s best to pay your credit bills on time. For many reasons, late credit payments occur. While your payment history counts for 35% of your FICO score, if you’ve made a late payment, you’ve likely seen your points take a plunge. Rest assured, you can recover from it. Some credit card issuers are even letting cardholders skip payments amid COVID-19. read more

Removing paid collections from credit report

How to Remove Paid Collections from Credit Report?

About to take up an important loan? Or maybe you want to fund that personal project you have been planning for months now? Everything might go smoothly except for when the lender of your chosen financial institution checks that credit report of yours and finds that there is still a record of a collection you were able to pay from before.  To be able to remove that paid collection stain from your credit report, you typically have to dispute it unless your bank or other financial institution you are dealing with has a unique way of doing things. Most lenders use an update method of calculating your credit score which automatically removes paid credit due to it being paid already. However, some lenders and financial institutions still use older methods of calculating for you credit score which will include paid collections from the credit report. There are about three steps to remove that paid credit collection stain from your credit report and it would be: To check all your credit reports, determine the legitimacy of the accounts, choose your plan of action. Will it be to dispute it, ask for a goodwill deletion, pay for delete, or just pay it anyway?  read more

lady holding Free Government Phone

Which Free Government Phone Provider is the Best?

Cellphone is an important part of our daily life. You need it at least for texting, calling and using the internet data, if not other features. It plays an important role when you want to collect with your family or friends.  With Free Government cell phones, the life of people has become easy especially for the people who belong to below poverty line and can’t afford a smartphone because of low income. In the era, we live in, a cell phone is an important aspect not only for communicating but also other functions like news, weather, podcasts and for capturing photos and videos among many other activities. The FCC has led some strict guidelines as to who is eligible for the free government cell phone assistance. Those who are already enrolled in one of the following programs are eligible: Supplemental Security Income (SSI)Supplemental Nutrition Assistance Program (SNAP)Federal Public Housing AssistanceMedicaidTribal-specific programs: Bureau of Indian Affairs General Assistance, Food Distribution Program on Indian Reservations (FDPIR), Head Start, Tribally-Administered Temporary Assistance for Needy Families (TTANF) If you fall under low-income group and are below 135% of the federal poverty guideline then also you are eligible for a lifeline. To apply for this government plan, you will need to submit your low-income stamp, a W-2 form, food stamps, or a letter from the government agency where you are enrolled. Here are 4 simple steps to acquire free government cell phones:  read more

Insurance umbrella

5 Best Long Term Insurance Companies

As a lot of working adults are looking to buy long term care insurances to secure their health and finances in the future, how do you determine which plan and firm best suits you? Long term care insurances have developed over the years, with more insurance providers giving plans nowadays compared to around two decades ago.  While this means more options to choose from, it also presents a dilemma: if you are a working adult looking for long term care insurance, which would you choose? Choosing the right provider appears to be a daunting task especially as their long term care insurance offers often times appear the same, in terms of benefits, choices, and coverage. But sometimes, all the difference you need to spot is knowing what type of plan they offer, and how much it costs. Types of policies and costs Before even delving on which insurance firm suits you best, you should first have at least a basic knowledge of what long term-care insurance is. Generally, a long term care insurance covers an applicant’s old age health expenses, either for beneficiaries staying at a nursing care centers or those who live within their own homes.  Cost of a plan is determined by a lot of factors, from age of the insurance applicant, the average expected costs by the time the insurance would be needed, and the type of insurance. read more

A man saving his money into piggy bank

30 Super Simple Ways to Save Money

The issues that arise when it comes to saving money are numerous–and you are not alone. At some point, you may think that you have been doing so well in saving your money. However, at the end of the day, all those efforts do not seem to be enough.  Many people have been making so many sacrifices to save, but sometimes we have to become mindful of our personal finances and spending habits. As we continue to understand our budgets, money flow, and the things we spend on what we need, believe it or not, we will eventually get to start setting away more Money that we have ever expected. There are many things to consider to save money effectively. This includes both long-term strategies, just like clearing your debt, and short-term strategies, which can be seen as skipping a simple night out at the club with friends. While it is understood that changes in your financial lifestyles do not happen drastically overnight, you should know that with patience, time, and dedication, nothing is impossible for reducing expenses and savings. read more

Young couple meeting financial consultant for student loan

Do Student Loans Go Away After 7 Years?

The most obvious answer is no, but there are ways and circumstances allowing you to minimize or sometimes eradicate all of your student loan obligations. The most obvious answer to whether student loan debt would go away after seven years or any amount of time, is no. After all, student loans are obligations that should be paid back.  But what if you haven’t found a job after student loans require you to start payment?  What if you are still studying?  What will you do with your student loans if you only have a part time job and have to deal with several expenses too? There are ways and certain circumstances which may reduce the payment needed to cover your student loans, and in some occasions, remove all liabilities entirely. Types of Student Loans First, you have to understand differences between available student loans.  The Federal Student Aid, the United States (US) government’s official site for student loans, has enumerated four of their federal loan offerings: direct subsidized loans which are offered to undergraduate students who need more money to fund a higher education;direct unsubsidized loans, which are given to students but in a scheme were eligibility is not based on financial need;direct PLUS loans are given to graduate or professional students or parents of dependent students who need extra money for educational expenses not covered by existing financial aid, and;direct consolidation loans, which allows loanees to combine all of their student loans into one single loan servicer. As the name suggests, federal loans are sourced from public funds, which means that you are borrowing money from the government.  On the other hand, there are student loans offered by private entities, mostly banks and other financial and credit institutions. read more

Two students shocked with discounts on online sale

The Ultimate List of Student Discounts and Deals 2021

Who would’ve known that students can really maximize their budgets as they spend throughout their university days? Below is a list of all sorts of items and services a student like you can take advantage of–and it ranges from clothing, to software, and even to food, entertainment, and travel!  Student Discounts Categories 1. Student Discounts on Tech and Software It would be very helpful for students to stretch their budgets with student discounts. There are a lot of stores and retailers that give out pricing that’s way exclusive to students, especially whenever it’s back-to-school season. We all know that students usually need photo-editing software tools, and other items for their studies. Well, say no more, because a lot are offering student discounts on such software, too. StoreDescriptionStudent DiscountAdobe SoftwareGet up to 60% discount on Adobe Creative CloudABBYYSoftwareAll ABBYY Software at 30% offApple Consumer Electronics$20 discount on the iPad Pro; $100 discount on the Macbook Air, and up to $200 on other select Mac, including the MacBook ProB&HPhoto and Video EquipmentGet mark-downs up to 30% off by joining B&H EDU Advantage, free of chargeCyberLinkMultimedia SoftwareMark-downs of up to 40% on softwareBest BuyElectronics StoreDiscounts may vary depending on the consumers’ . edu email addressDellComputersDiscount varies depending on the item and on membership, along with school detailsGoProVideo Recorder20% off from any orderFujitsuTechnology Equipment & ServicesSave 5% off on select LIFEBOOK notebooks and Tablet PCsLenovoComputers8% discount off from any orderLogitechComputers, tablets, & accessoriesGet 25% off on all itemsHPSoftware and computersVarious discounts on itemsSkullcandyTech gear20% off on all itemsMicrosoft StoreComputers and softwareFree subscription to Office 365TargusTech gearCollege students get 25% off all items 2. Student Discounts on Clothing A new school year may suggest having a new look and new clothes, whether it be a new set of corporate attires for your summer internship, or just simply a school fashion closet upgrade, a lot of clothing lines and retailers have got you covered when it comes to student discounts. When shopping for these, you will sometimes need to present your student ID, or maybe even ask you to verify your enrollment status online. read more

Woman hands using smartphone app

25 Apps That Gives You Free Money

There is no doubt that money is so tight these days. It is everyone’s dream to earn extra income fast and easy. This does not mean, though, that you have to do odd illegal jobs to make extra bucks. There are even mobile apps that can give you free money nowadays.  Here are 25 easy to download and easy to use apps that could help you earn some cash. Read this article if you wish to know tips, tricks, and techniques of using your phone applications to make quick and legal money in these challenging times. Top 25 Apps that can make you money In this list are 25 of the best smartphone apps that could help you save and earn cash. You can try each one of them and find out which works for you the best. While these are for quick, easy, and legal money, know that using them does not necessarily make you a millionaire overnight.  Think of these apps as tools to give you supplemental funds at a time when earning a living is extra tricky. 1. Wikibuy Wikibuy is a shopping app that makes you earn in two ways. First, it gives you the best deals in the market. It ensures that you get the lowest price available across stores. Second, it grants you reward points for each transaction you make. You can then turn these points into free gift cards to be used on popular shopping websites. read more

Asia woman looking at money with surprise.

20 Ways How to Make Money without a Job

We are truly living in difficult times. The COVID 19 pandemic resulted in the closure of businesses all over the globe. As a result, many people find themselves without jobs while having the need to support themselves and their family.  This article talks about ways, tricks, and techniques on how to Make money without an appointment. It teaches readers simple hacks to ensure that they survive the economic difficulties of our current conditions. Just pick which of these options work best for you, given your skills and financial needs. Good luck! 20 Ways How to Make money without a Job (Legitimate) The first lesson you have to learn when looking for a way to Make money in the middle of a pandemic is to not be picky in taking jobs. Realize that there is no job beneath you. As long as they are legal and legitimate, take jobs that feed you and your loved ones Below are some of the ways to make or earn money without taking a 9-5 job. 1. Sell or Rent your Personal Belongings. Honestly, it isn’t easy to let go of things that you have earned through the years. We have developed attachment even to these material belongings. One way to let go of this personal stuff and make a profit out of them is to examine your entire house and pick items that you have not used in the last three months. All these items are not useful to you and your current situation. read more

Men signing car loan agreement

Can I Get a Car Loan with a Credit Score of 600?

Having a good credit score makes it easier for people to get loans or financing. In car loans, having a score credit of 700 or above makes it more likely to get approved. But, if you only have a 600 credit score or less, there are still ways for you to get car financing.  Read this article to find alternative ways and techniques for someone with a low credit rating to get a car loan application approved. These options might be your best chance to get your loan application approved. How to Get a Car Loan with a 600 Credit Score? People with a high credit score are more likely to get an auto loan. Also, they usually qualify for competitive interest rates. For customers with a credit score of 600 or less, getting an auto loan requires more work. They have to look for a dealership that allows for special financing, so their application is approved. Needless to say, we must all try to attain a good credit rating. But achieving such is easier said than done. For individuals with a low credit score, do not worry because there are ways for individuals like you to get an auto loan still. The critical thing here is to find the right dealers who are willing to help you achieve what you want. read more