Erica Lamberg, provided by Published 10:04 am PDT, Tuesday, May 28, 2019 Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, but our reporting and recommendations are always independent and objective. Thomas Barwick / Getty Images It's not impossible to get a loan with bad credit, but you'll need to consider all of your options. Your credit score and your debt to income ratio can impact the rates lenders are willing to offer you, so you'll want to know yours before applying for a loan. Borrowers with bad credit can consider approaching credit unions or online lenders, both of which tend to be able to offer lower interest rates than traditional banks. They may also want to consider getting a secured loan, or getting a cosigner to guarantee the loan. However, a secured loan puts collateral like a house or car at risk, and a cosigner becomes responsible … [Read more...] about How to get a loan, even if you have bad credit
Good credit vs bad credit
Justin Rogers The Detroit News Published 9:33 PM EST Dec 9, 2018 Glendale, Ariz. — Detroit Lions coach Matt Patricia faced his fair share of criticism, particularly nationally, when he had his team practicing in a steady snow a few weeks back, prior to three straight home games under the Ford Field dome and the contest in typically sunny Arizona. But Patricia expressed some vindication after Sunday's 17-3 win, when the shoddy field conditions in Arizona forced the Lions to focus on fundamentals — footwork and balance — comparative to when players were working through slippery conditions on the outdoor fields at the team’s practice facility in Allen Park last month. “Sort of something we had seen on tape and knew, as the game went on, it would get worse,” Patricia said. ‘It looked pretty good when we got out there. Again, we just got to deal with it and handle the situation and move forward with it. I thought the … [Read more...] about Detroit Lions credit snow practices for helping overcome shoddy Arizona field
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By Jon Becker | [email protected] | Bay Area News Group October 29, 2018 at 4:20 pm Join us for live news and analysis Monday at 5 p.m. when the streaking Warriors take on the Chicago Bulls as they finish their three-game road trip. The Warriors (6-1) will be looking for their fifth straight victory and will encounter a beat-up Bulls squad that’s still missing three key players, due to injury. Kris Dunn, Bobby Portis and Lauri Markkanen will all be out for at least the next 3-4 weeks. Still, the Bulls managed to knock off the Hawks in Atlanta Saturday night when Zach LaVine scored 27 points in Chicago’s 97-85 victory. The Bulls have been getting strong play off the bench from former Bucks’ top pick Jabari Parker, whose dad Sonny played for the Warriors in the ’70s. Golden State is on a back-to-back after needing to exert extra energy to fend off the pesky Nets in Brooklyn on Sunday. The Warriors withstood 20 3-pointers by the Nets to score a … [Read more...] about Live updates: Warriors vs. Bulls, Monday at 5 p.m.
Like a fine wine, credit scores tend to get better with age. That's primarily why members of the elder Silent Generation have average credit scores that are 100 points higher than newbie millennials. The typical millennial has a "fair" credit score of just 634, according to a LendingTree study, which examined an anonymized sample of its 9 million users. From there, credit scores rise in steps. GenX ranks better than millennials, with an average 653 score, which is still "fair." Baby boomers do better than GenX, with a "good" 696 average score. Finally, the Silent Generation -- those born from 1925 to 1945 -- tops out with a "very good" 734 average score, according to the LendingTree research. Credit scores tend to rise with age for good reasons, experts note. Some key scoring metrics give points for the amount of time you've had credit and for the depth of your credit experience. Credit scores, after all, are a way to handicap a person's propensity to repay a loan in full and on … [Read more...] about What does age have to do with credit scores? Plenty