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Chase Bank Personal Loans for Bad Credit and How it Works

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What’s the best way to pay off credit card debt if you’re among the millions of Americans who are buckling under the weight of mounting bills and delinquencies? FULL STORY: https://abc7chicago.com/best-way-to-pay-off-credit-card-debt-balance-transfer-cards-consolidation-relief/14326808/

A new report from NerdWallet revealed that one-third of Americans believe they will be in credit card debt indefinitely. NerdWallet Credit Card Expert and Writer Sara Rathner joins Yahoo Finance Live to discuss the steady rise in household debt.
Rathner notes that credit card balances have climbed 16% over the past year while interest rates have spiked an average of 22%. “Incomes are just not keeping up with the cost of goods,” she says, with the cost of consumer goods up 20% even as incomes rose only 12%. This widening gap leaves many Americans vulnerable to accumulating credit card debt they cannot easily pay off.
“A lot of times credit card debt is imagined as the result of frivolous spending,” Rathner tells Yahoo Finance, continuing: “but, we’ve actually found that many Americans take on debt just trying to afford the necessities.”
#youtube #creditcard #stockmarket
About Yahoo Finance:

Yahoo Finance provides free stock ticker data, up-to-date news, portfolio management resources, comprehensive market data, advanced tools, and more information to help you manage your financial life.

– Get the latest news and data at finance.yahoo.com

– Download the Yahoo Finance app on Apple (https://apple.co/3Rten0R) or Android (https://bit.ly/3t8UnXO)

– Follow Yahoo Finance on social:

X: http://twitter.com/YahooFinance
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There are pros and cons of credit counseling vs debt settlement. Take our free credit counseling vs debt settlement: https://tryascend.com/blog/debt-management-vs-debt-settlement/ to help you make the most informed decision.

Also, please feel free to call Ben or me directly at 833-272-3631 and we would love to answer any questions you may have.

For example, credit counseling can be more expensive than debt settlement, but it may preserve your credit score better than debt settlement.

See the chapters below that we will cover in this video.

Chapters:
0:00 Intro
0:25 What is Debt Management and Debt Settlement?
1:30 Debt Management Process
2:30 Debt Settlement Process
3:31 What May Be Best For You?
4:07 Conclusion

#creditcounseling #debtmanagement #debtsetlement #debtsettlementvsdebtmanagement

Music: www.bensound.com

Have any questions or want to talk about your situation? Let’s chat!
????Text or call 503-799-3711 ????
???? juleef@rate.com ????
Schedule a call: https://calendly.com/juleef/let-s-say-hi
To apply: https://rate.com/juleef
Lending wherever you want to call “home” ?????? — in all 50 states.

In this video:
Chapters:
00:00 – Introduction: you’re tracking the wrong credit score
00:55 – There’s no database with your credit score in it
01:12 – A score only exists at the moment it is requested
02:00 – The variability of credit scores can be an advantage
02:28 – History of credit scores?
03:36 – The 3 national credit bureaus
04:22 – So how many credit scores do you have?
05:15 – What score do you see on Credit Karma?
05:51 – FICO releases new versions
06:04 – What version is used in mortgage lending?
07:28 – How do you find out your mortgage credit score?
07:40 – The “not-free” option: signing up with myFICO.com
08:21 – What will I find when I sign in to myFICO.com?
09:44 – Don’t stress the difference in your scores… It’s normal!
10:53 – The free way to get your mortgage credit scores
11:29 – Should you wait until you’re ready to buy to contact a lender?

Julee Felsman, SVP of Mortgage Lending NMLS 120831
Guaranteed Rate Inc NMLS 2611 Equal Housing Lender.
www.nmlsconsumeraccess.org
www.rate.com/licensing
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Branch address: 1300 SE Stark St Ste 111, Portland, OR 97214
State Licenses:
AK – AK120831, AL – 73482, AR – 117882, AZ – 1002329, CA – CA-DBO120831, CO – 100514850, CT – LO-120831, DC – MLO120831, DE – MLO – 120831, FL – LO66603, GA – 67474, HI – HI-120831, IA – 34589, ID – MLO-2080120831, IL – 031.0056868, IN – 42483, KS – LO.0039957, KY – MC713848, LA – Licensed, MA – MLO120831, MD – 120831, ME – Licensed, MI – 120831, MN – MN-MLO-120831, MO – MO-120831, MS – 120831, MT – 120831, NC – I-187748, ND – NDMLO120831, NE – Licensed, NH – Licensed, NJ – Licensed, NM – Licensed, NV – 65660, NY – Licensed, OH – MLO-OH.120831, OK – MLO21956, OR – Licensed, PA – 74700, RI – Licensed, SC – MLO – 120831, SD – MLO.09183, TN – 203658, TX – Licensed, UT – 12003187, VA – MLO-41738VA, VT – VT120831, WA – MLO-120831, WI – 120831, WV – LO-120831, WY – 8673

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information.

All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.

Content found in these videos is public information. However, all information including text, photographs, etc. is copyrighted and is protected by United States and international copyright laws. These videos may not be used, reproduced, or distributed for commercial purposes without prior written consent from Julee Felsman and Guaranteed Rate.

— Caller points out credit card debt as a sign that the economy isn’t so good
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-Timely news is important! We upload new clips every day! Make sure to subscribe!

Broadcast on January 5, 2024

#davidpakmanshow #economy #creditcarddebt

Bill shock post December festive season and January you see the credit card bill ????????????.
Here’s the tip how to resolve this issue.
Debt consolidation!

• The video discusses how people tend to overspend on their credit cards during the festive season, leading to credit card bill shock.
• It highlights the convenience of tap and go payments but warns about the lack of awareness of spending.
• The video suggests two solutions: doing a credit card transfer to a no-interest account and closing the current credit card, or consolidating debt into a home loan facility to improve cash flow.
• It advises creating a separate savings account to budget for future expenses during December.
• The video emphasizes the importance of avoiding financial mess and planning ahead to prevent credit card bill shock.

0:00 Intro

0.01 We do get a little bit carried away and 
statistically speaking in December people  

00:13 tend to spend 25% more on their credit cards it’s 
because of the festive season you get carried awayit’s a little bit silly and the big one is the tap and go it gets you all the time. If you’re not used to having cash in your wallet, I think cash hurts more emotionally to hand over and you can physically see what is being left and back in my time I’m a little bit older um I used to  

0:36 find that handing over $100 bill or $50 or $20 or whatever your note currency was at the time it used to be a little bit more physical HEY I’m letting go of this money and you could see it whereas now you tap and goes it’s on your mobile phones on the credit card tap tap tap

0:52.get a little bit carried away and you forget to check and by the time you do check it’s a little bit like holy **** whatever what’s happened so if this is a situation that you’re in you can either a try to do a credit card transfer into something that is no interest for a

01:15 certain period of time clear off the credit card. Start off fresh make sure that you close down your current credit card and you’re not getting two credit cards recycling because then it it’ll you know basically will have a financial mess and it’s a little bit harder to get out of.

01:33 that one the other thing that you could do is if you’ve got a home loan facility try and debt consolidate that all into the one facility so it just improves your cash flow and then for next time around make sure that you put a little bit of savings um in a separate account so then when December does come along you’ve got a clear budget of what you’re actually wanting to spend.

01:58 It doesn’t catch you out again January 2025 with another what we call it Bill shock round two so hopefully you found that useful if you got any questions feel free to give me a call happy to have a chat Laura Moya 

02:16 Local Mortgage Broker Melbourne

Laura Moya Local Mortgage Broker based in Melbourne covers the issue head on.

#Localmortgagebroker
#localmortgagebrokermelbourne
#RefinanceCreditcardaustralia
#debtconsolidation
#debtconsolidationloan
#billshock
#costoflivingcrisisaustralia
#howtogetoutofdebt
#mortgagebrokertip
#mortgagebrokertricksanstips
#melbourne
#refinance
#refinancing
#Debtconsolidationtips

subscribe to our channel for more mortgage tips and tricks in easy to follow ways.

https://youtube.com/@LauraMoyaLocalMortgageBroker

When the credit bureaus verify your disputed accounts as accurate, you need a plan. Learn what to do by listening to the CreditRX Course Ep 1 now! If you would like to get a free credit sweep consultation head to https://my740.com. You can learn how to legally and permanently remove negative items from credit reports with confidence at https://sendmeto.co/steroids.

250 collections removed before and after video https://youtu.be/zam8srBB7Qo
Guaranteed deletion debt validation dispute method package https://sendmeto.co/vod2
Importance of sending dispute letters via certified mail short https://youtube.com/shorts/rK-rnS9gJ74?feature=share

Client results playlist https://www.youtube.com/playlist?list=PLCkW-fTkIGnxOdGjZrudHSn-ygbYuWuQO
Violations video 1 https://www.youtube.com/watch?v=fMOe-xaGW-0
Violations video 2 https://www.youtube.com/watch?v=woZS_VI-Pts

Links:
Credit repair course on steroids: https:/sendmeto.co/steroids
Guaranteed Deletion Debt Validation Dispute Method: https://sendmeto.co/vod2
EvolutionLine Method Workshop: link coming soon
Dispute Funnel Workshop: link coming soon
All courses: https://sendmeto.co/courses
Live Automation: https://sendmeto.co/auto
Credit Sweep Secrets Playbook: https://sendmeto.co/getmycheatsheet
Advanced Credit Sweep Tactics Playbook: https://sendmeto.co/tactics

Many consumers just send out the same dispute letters to the credit bureaus that 1.5 million other consumres have already sent out that month and this causes nothing other than additional timing to be added to your total dispute duration because the longer you dispute, the harder it is to remove the accounts from your credit report. Instead, you should be looking for the actual reason the account needs to be removed and this takes LEARNING how to do the credit sweep properly.

Join my Exclusive Youtube Newsletter at https://sendmeto.co/ytfam, where you’ll receive exclusive content, free offers, discounts, early releases and more! As a way to say thank you, you’ll receive free and instant access to my “How to Remove Any Account” Google Spreadsheet that walks you through creating a dispute reason step-by-step.

playbook links are: https://sendmeto.co/collections for the how to remove collections playbook and https://sendmeto.co/getmycheatsheet for the credit sweep cheatsheet secrets playbook

Resources:
free subscriber hub: https://hub.my740.com
store: https://vault.my740.com
validation of debt: https://sendmeto.co/vod
credit sweep secrets cheat sheet: https://sendmeto.co/getmycheatsheet
how to write the perfect dispute letter every time: https://sendmeto.co/ultimate-guide
get the hardcopy at https://sendmeto.co/hardcopy-guide
see all offers at https://sendmeto.co/offers
Full credit repair software: https://sendmeto.co/suite
Letterfy180: https://sendmeto.co/letterfy180
Dispute Tracker and Planner: https://sendmeto.co/revoplanner
290 dispute reasons: https://ask-kristin.samcart.com/products/290-reasons
4 credit sweep cheat sheets https://ask-kristin.samcart.com/products/4-cheat-sheets
5 Roadmaps – the playbook: https://ask-kristin.samcart.com/products/playbook
66 Advanced Dispute Tactics (Mini-bible): https://ask-kristin.samcart.com/products/mini-bible
bulletproof training book: https://ask-kristin.samcart.com/products/bulletproof-training-book
followup tactics::

-~-~~-~~~-~~-~-
Please watch: “HUGE Difference! Credit SWEEP vs. Credit Repair | CreditRX EP2”
https://www.youtube.com/watch?v=eHfDPcwIBBs
-~-~~-~~~-~~-~-