Loan


Who Gets to Keep the Bank Accounts?

We had to complete all the steps outlined by the bank to remove my husband’s name from the account remotely because we opened the account at a branch in New York more than 12 years ago. In some cases, banks require you to submit the information to the originating branch. This can create difficulties in our increasingly mobile society. The mail-in option worked well for us because we lived hours away from the original branch. More >>>

Sample Request Letter for Petty Cash Fund

The whole idea about petty cash loans lies in an opportunity to borrow money from the general cash amount. This is what we usually do to make a quick purchase. It is worth mentioning that the Imprest Company requires its users to follow account limits and not to spend more cash than it is specified in the account terms. In most cases, the sum borrowed must be replenished by the end of the month. More >>>

Down Payment Assistance

Down payment assistance programs are popular among people with medium and low incomes, since they can be very helpful in obtaining houses, vehicles and other luxury products. Particularly, these programs help their clients make a down payment, which is part of the total value of an object. As a rule, buyers are required to pay down 5 to 25 percent of the value. More >>>

Credit Card Processing

With so many credit card processing services available on the market today, it requires a thorough research and lots of efforts to find the service that meets your business needs in the most effective way. In some cases, you may find it difficult to find a merchant account provider. Just imagine, how much frustration there may be, if you make a wrong choice! Let’s look in details at all the pros and cons of credit card processing services. More >>>

Few outlets have offered consumers their credit scores for free

Credit scores can affect everything from the credit cards you're eligible for to your rate on auto loans and mortgages. They even sometimes play a roll in whether you get a job or are approved to rent an apartment. Consumer advocates and banking experts say the value of these latest programs is that they put credit scores in front of consumers' eyes on a regular basis, instead of forcing consumers to seek the scores out on their own, and pay for them. More >>>

Ways to improve your credit score

Don't close credit cards. Fifteen percent of yourFICO score is based on the length of time each account has been opened and the length of time since the account's most recent activity. Closing accounts also hurts your credit utilization ratio by reducing your available credit. Review your FICO score (the most commonly used credit score). The range is 300 to 850; the best interest rates are typically offered to people with scores above 720. More >>>

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