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Kayla Harris

Exploring Payday Loan Alternatives: Finding Better Financial Solutions

Exploring Payday Loan Alternatives: Finding Better Financial Solutions

by Kayla Harris

Payday loans seem handy but can trap you in debt. They carry high rates, making it tough to pay back and when cash gets tight. Friends and family may spot you some dough or let you slowly repay. Credit cards work too, though their rates are not cheap. Discover other options that will work for you. Read more

How Long Do Derogatory Marks Stay on Credit?

How Long Do Derogatory Marks Stay on Credit?

by Kayla Harris

Understanding credit scores is critical to financial health. One key aspect is the impact of derogatory marks on credit reports. These marks indicate missed debt payments and can greatly damage your credit history. But how long do they stay on credit reports? Learn the duration and consequences of derogatory marks on your credit reports to better manage your financial future. Read more

Is a Payday Loan Variable or Fixed Rate?

Is a Payday Loan Variable or Fixed Rate?

by Kayla Harris

Are payday loans fixed or variable loan products? They are easy to get and relatively simple to process, but these loans can also be tricky. Their interest rates can be fixed or variable, depending on the direct lender you applied. How to avoid paying high rates? Check out here! Read more

Loans for Single Moms With Bad Credit: How to Improve Your Financial Situation

Loans for Single Moms With Bad Credit: How to Improve Your Financial Situation

by Kayla Harris

Single mothers with a bad credit history find it difficult to solve financial problems. However, some types of loans are still available to this category of people. But it's also important to look at government assistance programs like TANF and SNAP. Responsible borrowing and timely payments can lead to improved financial prospects in the long run. Read more

What Happens to Debt When You Die: A Guide for Your Loved Ones

What Happens to Debt When You Die: A Guide for Your Loved Ones

by Kayla Harris

Losing a loved one is emotionally draining, and paying off their debts can add to the financial stress. Find out what happens to different types of debts after a person dies, how they are inherited, and how to pay them off. From credit card balances to mortgages and medical bills, learn how to manage a deceased relative's debts. Read more

Is a Payday Loan Installment or Revolving?

Is a Payday Loan Installment or Revolving?

by Kayla Harris

If you want a payday loan, it is crucial to know exactly what kind of loan you're getting. Most borrowers just don’t know: is a payday loan installment or revolving credit? You should know that a payday loan isn’t an installment loan or a revolving loan. Read more

What Do I Need for a Payday Loan?

What Do I Need for a Payday Loan?

by Kayla Harris

When unexpected expenses hit, Americans often turn to payday loans for quick cash. Understanding the risks and seeking financial education are crucial for making informed decisions and avoiding predatory lending. Read more about the payday loan qualifications and criteria to meet. Read more

Why Are Payday Loans Bad?

Why Are Payday Loans Bad?

by Kayla Harris

Payday loans seem so convenient when you face an emergency. You walk into one of those payday loan stores on the corner, show your pay stub, and walk out with emergency money in hand. It is easy, but it may carry many risks. Find out more about why payday loans are bad for you. Read more

Payday Loan Scams: How to Recognize and Avoid Them?

Payday Loan Scams: How to Recognize and Avoid Them?

by Kayla Harris

While the amount of fraudulent payday loans is constantly increasing, it is crucial to understand how to recognize predatory lenders and avoid them. Discover the signs of fake loan offers and unreliable lending companies. Read more

Can You Go to Jail for Not Paying a Payday Loan?

Can You Go to Jail for Not Paying a Payday Loan?

by Kayla Harris

The answer is a resounding NO! Payday loan debt might make you sweat bullets, but it won't land you in the jail. However, the debt collectors can make you pay the whole loan amount plus interest and penalties. Read more