Credit Axis
What we do is quite simple. After years of research and through exclusive relationships with little-known lenders, we are able to guarantee ANYONE a bad credit loan. Perhaps you need a loan for debt consolidation, home improvements, a new or used car purchase, a new home, or even a vacation! We are affiliated with many lenders who cater especially to people with bad or no credit. These are experienced and trusted lenders that value your business, no matter what your credit situation is. Not only do we help with loans for credit-challenged individuals, but we also help with repairing your credit, bankruptcy filing, and supplying resource for government grants, and more.
Related Articles
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How To Build Credit In Your Own Name After A Divorce
If you are married, separated, or divorced, and most of the credit you obtained is in your spouse's or ex-spouse's name only, you should start to get credit in your name, too.
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What To Do When There Is A Bank Error In Credit Reporting
Because their business is loaning money to their customers, all banks aggressively report credit items when they are found. The credit reporting industry was created in large part to aid banks in making lending decisions. Although banks often grant "secured credit" - meaning that they can attach specific items such as your house or car to a loan agreement - they are still vulnerable to your failure to keep a payment promise.
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Know Your Rights You Have Against Debt Collectors
Unfair Practices: No debt collector can use dishonest or unfair means of making you pay your debts to them. The following actions are deemed to be violations of the law by these debt collectors:
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Rights You Have Against Debt Collectors
False or Misleading Representations: Collection agencies are prohibited from making false or misleading representations to consumers in the course of trying to secure debt repayment.
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A List Of Rights You Have Against Debt Collectors
How Creditors Track You Down: This area of the law is formally called "Acquisition of Location Information." It basically limits what debt collectors can do to legally find you. For instance, debt collectors:
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Talking With A Creditor: 5 Steps Of The Negotiation Cycle
1. Contact the creditor by phone and reach a tentative agreement. 2. Send the creditor a settlement agreement, requesting return of a signed copy.
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All Women Need To Read This: Understanding The Equal Credit Opportunity Act
The Equal Credit Opportunity Act (ECOA) was enacted by Congress to eliminate discrimination against women seeking to obtain credit. It was expanded to include the prohibition of denying credit based on a person's race, color, place of national origin, religion, sex, age, or marital status. Further, a woman who exercises her rights under the act cannot be "blacklisted" from obtaining credit.
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Cleaning Up Your Credit, Without Paying!
When it comes to collections, you have a very important right as outlined in the Fair Debt Collection Practices Act: The right to have a collection account "validated."
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Reacting To A Bank Error In Credit Reporting
Because their business is loaning money to their customers, all banks aggressively report credit items when they are found. The credit reporting industry was created in large part to aid banks in making lending decisions. Although banks often grant "secured credit" - meaning that they can attach specific items such as your house or car to a loan agreement - they are still vulnerable to your failure to keep a payment promise.
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What Are “Rapid Rescoring” Services & How Can They Help My Credit?
Rapid rescoring services came about because too many people were losing loans or paying too much interest because of credit bureau inaccuracies. Before you get excited, though, you should learn what these services can and can't do:
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How To Get Out Of Debt & Save Money?
Earmark Your Savings for a Payroll Reduction: Select a certain amount to be deducted from your payroll check and deposited right into your savings account. So, before you ever see it, it's already in there. (If you go and withdraw this money each time you say you need it, then you've defeated the purpose.)
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Methods To Get Out Of Debt & Save Money
Save! Save! Save!: If you can't start saving 20% of your monthly net income or 75% of your monthly disposable income right now, then start off with less, and gradually increase the amount. By practicing money-saving techniques, you will find extra money during the month that you didn't even know existed.
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Ways To Get Out Of Debt & Save Money
Establish a Budget and Stick to It: Most people can't tell you where their pay checks go each month. All they know is that they don't have enough money to make ends meet. That's like having a checking account, writing checks, and never balancing it. Don't leave the management of your money to chance like that. Establish a budget and stick to it. However, before you can establish a budget, you must first know how much money you are currently spending each month.
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Tips On Saving Money & Becoming Debt-Free
If you are trying to lose weight, what do you do? You change your eating habits by reducing your intake of fat grams and calories, and you increase your amount of physical activity. Successfully losing weight and keeping it off requires a change in your lifestyle and frame of mind. Changing your financial position for the better is no different.
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Tips On Having Your Student Loans Canceled
Under certain circumstances, you may be able to cancel your obligation to repay your federally guaranteed student loans, defer your payments, or enter into a payment schedule that fits with your income. If you're in default, you may be able to get out of default and avoid a lawsuit, wage garnishment, or loss of your tax refund.
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One of the best ways that anyone can utilize in order to keep credit from getting worse or the debts from piling up further is to have a savings cushion on which to draw upon when life's unexpected events come to call. Your goal should be to save three to six months of living expenses in a savings account that allows you access to the funds when you need them.
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Filing For Bankruptcy - Which Plan Is Right For You?
The majority of people who file for bankruptcy opt for Chapter 7, which wipes out most unsecured debts. (Unsecured debts are those that aren't linked to specific property, such as a car or a house. So your mortgage is a secured debt; your credit card bills are unsecured.)
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Understanding The Equal Credit Opportunity Act
The Equal Credit Opportunity Act (ECOA) was enacted by Congress to eliminate discrimination against women seeking to obtain credit. It was expanded to include the prohibition of denying credit based on a person's race, color, place of national origin, religion, sex, age, or marital status. Further, a woman who exercises her rights under the act cannot be "blacklisted" from obtaining credit.
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Talking With A Creditor: 5 Steps Of The Negotiation Cycle
Your bargaining power in this technique is your willingness to repay your creditor the money that you owe him. If the account has already been charged off or discharged in bankruptcy, your leverage will be even greater. At this point, the creditor has already accepted a loss on your account, and he does not expect to ever see or hear from you again. When he hears that you are now willing to repay the debt (or even a percentage of the debt), he'll be anxious to work with you.
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Learn How To Stop Collection Agencies From Harassing You
If any debt collection firms are harassing you, you can make them stop immediately. Simply write a two-sentence letter advising them to cease all contact with you. The first sentence should say: "I am unable to pay this bill because..." or "I refuse to pay this debt because..." and explain your reason.
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How To Build Credit In Your Own Name After A Divorce
If you are married, separated, or divorced, and most of the credit you obtained is in your spouse's or ex-spouse's name only, you should start to get credit in your name, too.
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Benefits Of A Debt-Management Plan
For about 25 percent of those who turn to credit counselors, more than advice is prescribed. In these cases, in addition to an action plan, a debt-management plan is recommended. A debt-management plan (sometimes called a debt-repayment plan) involves the agency as an intermediary (for a small monthly fee it handles both communications and payments on your behalf) and it includes revised payments.
