Wed, 14 May 2008 03:58:05 UTLoan and borrowing methodsWed, 14 May 2008 03:58:05 UThttp://cyber.law.harvard.edu/rss/rss.htmlXMT RSS generatorwebmaster@whatprice.co.uken-gbhttp://www.whatprice.co.uk/webmaster@whatprice.co.ukhttp://www.whatprice.co.uk/advice/financial/credit-report-basics.htmlhttp://www.whatprice.co.uk/advice/financial/credit-report-basics.htmlMore and more people are becoming aware of their credit report, and how it affects them in their daily lives. As they apply for a home loan, credit card, or line of credit, they realize that credit scores can make a huge difference in the amount of interest they will pay. Fri, 08 Jun 2007 00:00:00 UThttp://www.whatprice.co.uk/advice/financial/understanding-your-credit-score.htmlhttp://www.whatprice.co.uk/advice/financial/understanding-your-credit-score.htmlMost people know that our credit reports have a lot of information about our borrowing history. How credit worthy we are - how likely we are to pay off our debts (on time or not) - is also looked at as an indicator of how people are likely to behave in other areas.Fri, 08 Jun 2007 00:00:00 UThttp://www.whatprice.co.uk/advice/financial/get-your-credit-report.htmlhttp://www.whatprice.co.uk/advice/financial/get-your-credit-report.htmlIt is very important to get your credit report and analysis. Why is this important? For one thing, if you're thinking about buying a house or applying for credit for any other big purchase, you'll need a clean credit report, and it's always best to get your credit report and analysis before your lender does. This will give you an opportunity to clean up any discrepancies or errors, which are fairly common, and which can throw a monkey wrench in the works if not resolved. Fri, 08 Jun 2007 00:00:00 UThttp://www.whatprice.co.uk/advice/financial/young-people-debt.htmlhttp://www.whatprice.co.uk/advice/financial/young-people-debt.htmlIt's amazing when you consider the above statement and try and get a grasp on the two concepts of Young People and Debt? Fri, 08 Jun 2007 00:00:00 UThttp://www.whatprice.co.uk/advice/financial/debt-counselling.htmlhttp://www.whatprice.co.uk/advice/financial/debt-counselling.htmlOnce an individual has determined that he or she is in troube in terms of debt, that is, the expenditures per month exceed the monthly income, it is time to go about setting a course of action to right the situation before disaster results.Fri, 08 Jun 2007 00:00:00 UThttp://www.whatprice.co.uk/advice/financial/loan-repayment-holidays.htmlhttp://www.whatprice.co.uk/advice/financial/loan-repayment-holidays.htmlIf you find yourself struggling to pay off your loan in the short-term because of unforeseen financial difficulties, then perhaps you should consider taking a repayment holiday. Also, if you are looking to get a loan and want to know that you can take a short break from repayments if things are tight, then repayment holidays are probably for you. Here are some tips about how to use repayment holidays effectively and the consequences of doing so. Fri, 08 Jun 2007 00:00:00 UThttp://www.whatprice.co.uk/advice/financial/uk-bankruptcy-myths.htmlhttp://www.whatprice.co.uk/advice/financial/uk-bankruptcy-myths.htmlWhen you go bankrupt you end up in jail, lose your house and your car and you are thrown onto the streets to fend for yourself for at least 5 years and also if you own a company then forget it mate will lose the lot! Fri, 08 Jun 2007 00:00:00 UThttp://www.whatprice.co.uk/advice/financial/debt-reduction-credit-score.htmlhttp://www.whatprice.co.uk/advice/financial/debt-reduction-credit-score.htmlAre you up to your eyeballs in debt? It's not a prime position that you want to be in, and it has to be one of the first areas that you must work on in improving your personal life. Is your credit score horrible? Well read on and I will try and set you on the right path in improving this situation. Fri, 08 Jun 2007 00:00:00 UThttp://www.whatprice.co.uk/advice/financial/filing-bankruptcy-advice.htmlhttp://www.whatprice.co.uk/advice/financial/filing-bankruptcy-advice.htmlFinancial difficulties can occur in anyone's life. When you think financial difficulties are more than you can handle, don't let bankruptcy become your first thought. Bankruptcy should be considered as a last resort, not just the first thing that pops into your head when the going gets tough. Instead, consider these options. Fri, 08 Jun 2007 00:00:00 UThttp://www.whatprice.co.uk/advice/financial/get-out-debt.htmlhttp://www.whatprice.co.uk/advice/financial/get-out-debt.htmlRegardless of how bad a consumer's debt is, they have a handful of options in order to reach their ultimate goal, a debt free life. To be released from your debt, you will have to consider two important aspects, the amount of debt and the type of debt in order to carefully sketch out your plan the best way that will best suit you. Fri, 08 Jun 2007 00:00:00 UThttp://www.whatprice.co.uk/advice/financial/debt-settlement-versus-consilidation.htmlhttp://www.whatprice.co.uk/advice/financial/debt-settlement-versus-consilidation.htmlWhen you realize that you have a debt issue going on, you have several options to choose from: do nothing, create a budget, seek credit counseling, get professional debt consolidation help, opt for debt negotiation & settlement help from a specialized company or file for bankruptcyFri, 08 Jun 2007 00:00:00 UThttp://www.whatprice.co.uk/advice/financial/bad-credit-rating-mortgage.htmlhttp://www.whatprice.co.uk/advice/financial/bad-credit-rating-mortgage.htmlThe number of banks and mortgage brokers lending to people with a bad credit ratings has rocketed. This has prompted the city watchdog to do some digging around to make sure money-lenders are playing by the rules. Fri, 08 Jun 2007 00:00:00 UThttp://www.whatprice.co.uk/advice/financial/mortgage-interest-rates-changes.htmlhttp://www.whatprice.co.uk/advice/financial/mortgage-interest-rates-changes.htmlThere have been one or two nasty shocks regarding mortgage interest rates recently. Read what's been going on. Fri, 08 Jun 2007 00:00:00 UThttp://www.whatprice.co.uk/advice/financial/bankruptcy-debt-rise.htmlhttp://www.whatprice.co.uk/advice/financial/bankruptcy-debt-rise.htmlBankruptcies are on the up, new figures have shown - this article looks at the reasons why. Fri, 08 Jun 2007 00:00:00 UThttp://www.whatprice.co.uk/advice/financial/student-loan-tuition-fee.htmlhttp://www.whatprice.co.uk/advice/financial/student-loan-tuition-fee.htmlAverage student loan debts have reached $9,620 and nine out of every 10 students now borrows to finance their university education. But who gives a non-working student money to finance a student life? Fri, 08 Jun 2007 00:00:00 UThttp://www.whatprice.co.uk/advice/financial/bad-credit-home-loan.htmlhttp://www.whatprice.co.uk/advice/financial/bad-credit-home-loan.htmlWhat happens if you have a bad credit history and apply for a home loan? Who can you approach and how much extra will it cost you (if you can borrow any money at all) to borrow an amount of money compared to someone with a good credit history?Fri, 08 Jun 2007 00:00:00 UThttp://www.whatprice.co.uk/advice/finance/payday-loan.htmlhttp://www.whatprice.co.uk/advice/finance/payday-loan.htmlA payday loan is a short term loan designed to bridge the gap between when you get paid by your employer and when you actually need the money - usually now. Fri, 08 Jun 2007 00:00:00 UThttp://www.whatprice.co.uk/borrowing/credit-union-loan.htmlhttp://www.whatprice.co.uk/borrowing/credit-union-loan.htmlWith rising interest rates and an ever increasing cost of living, credit unions may offer a more attractive means of raising revenue than banks or credit cards. And all you need to do is become a member! Surely it can't be that easy. Fri, 08 Jun 2007 00:00:00 UThttp://www.whatprice.co.uk/borrowing/loan-sharks.htmlhttp://www.whatprice.co.uk/borrowing/loan-sharks.htmlDespite what they might profess, money lenders with sky high interest rates are preying on the people who are in the worst position of anyone else to pay the cash back. But no more, says the Competition Commission, which is standing up to these 'Loan Sharks' and taking a stand. Fri, 08 Jun 2007 00:00:00 UThttp://www.whatprice.co.uk/advice/store-card-discount-high-apr.htmlhttp://www.whatprice.co.uk/advice/store-card-discount-high-apr.htmlStore cards can be very convenient, offering discounts and rewards. Are they a good bet in the long run? Fri, 08 Jun 2007 00:00:00 UT