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Most Recent Articles in Personal Finance

  • Demystifying Credit Inquiries and Its Effects on Your Credit Standing

    by Ruth Racey

    If some legitimate mortgage company or private lender pores over your report for verification purposes, then that is what you call credit inquiry. Time and again, lots of consultants and lenders themselves warned individuals about multiple inquiries and how these could affect a person’s score. While there is some truth … (more) April 30, 2011

  • How Available Credit Can Save the Lives of Loan Applicants

    by Ruth Racey

    We are all too focused with paying our bills on time and avoiding bankruptcy and foreclosures. And we think we can salvage our scores by paying a delinquent bill and hoping it changes overnight. Unfortunately, this technique is not enough to make vital changes in our credit reports. If we … (more) April 25, 2011

  • The Paperwork that Comes with Rental Property Loans

    by Ruth Racey

    Dealing with your mortgage lender does not really have to be an excruciating experience. In fact, as long as you come prepared, the whole procedure can actually run smoothly. That is, as long as you have all the necessary paperwork ready – and this is a huge part of the … (more) December 7, 2009

  • The Basics on Rental Property Loans

    by Ruth Racey

    Dealing with loans for rental property is no piece of cake. If you are considering taking out a loan for a rental property as start-up for that business of yours, then you need to remember several important facts. Remember that the key to a successful business is to know what … (more) December 6, 2009

  • How does an open checking account help you?

    by Ruth Racey

    Credit card issuers always search for bank accounts because they are a sign of financial stability. Obviously, they also look for bank accounts so that they know how you will pay them. If undergoing credit application and you do not have an open checking account, you may not be given … (more) November 21, 2009