How Much Damage Is Your Credit Score Really Doing?
Phoebe Berline
Bad credit is seriously bad for your health.
That’s according to research released by the Federal Reserve Bank of Atlanta. People with bad credit are significantly more likely to die early, than people with higher credit scores. The bigger the financial setback, the more likely you are to die an early death. Falling behind on payments can have even more severe effects on your health.
The good news is that the study also found that when people increased their credit scores by at least 100 points, they decreased their odds of dying early.
Here are 20 simple tips on how to increase your credit score, decrease your debt and get financially healthy in 2019:
1. Get A Loan Even With Bad Credit
Finding the right personal loan and getting approved can take months. Who has months to wait for a loan? That’s why Even, the leading search, comparison and recommendation engine for financial services created “Fiona”.
Fiona is the fastest, easiest, most comprehensive way to search loans and savings accounts from the top providers. By filling out a simple form, Fiona checks if you are pre-approved and gets the best offers from the top providers for you in seconds, so you can get instantly matched with the right personalized offer all in one place. You can borrow as much as $100,000, with loan terms up to 7 years. The interest rate you’ll pay will depend on your creditworthiness. It will take you less than 60 seconds to apply.
2. Use This Trick To Protect Your Mortgage
If you own your home, chances are you have a mortgage. What would happen if you or your spouse died? How would you pay the mortgage? A trick many people do is get an inexpensive life insurance policy to cover the mortgage in case they day.
A term life policy from Bestow Life Insurance is easy and affordable. Plans start at $3/month. If your relatively healthy and between the ages of 21-55 you can easily qualify. There are NO medical exams.
Unless you plan on hitting the lottery, you should think about getting an affordable life insurance policy. Don’t leave your family with a pile of bills that don’t have Ben Franklin’s picture on it.
3. Get A Smart Loan If You’re In A Jam
LendJet is a smarter personal loan service. The lenders in its network offer loans up to $10,000. LendJet provides flexible payment terms, giving you more time to repay your loan. Plus you’ll only have to fill out one short application to be connected with multiple potential lenders. You can save time from the [stressful process of searching for an quicker loan], that doesn’t take advantage of you(https://trutrack.aquarterricher.com/click/2).
4. Get A Line Of Credit At This Amazing Store
You can get an unsecured in-store line of credit from Gettington. You can make purchases at their online store for items like Designer Clothes, Computers, Flat-screen TV’s, Jewelry, Household items and more. They stock most of the best name brand products you could want like Michael Kors, Tory Burch, Ralph Lauren, Dyson Vacuums, Apple to name a few. The Gettington Credit Account is also geared toward those looking to rebuild their credit.
5. Work Smarter Not Harder
Vindale Research is legitimate and pays you for your opinion as a consumer. Vindale makes money by selling the questions you answer to companies like Coca-Cola, Johnson & Johnson, and General Electric (GE) hire firms to improve their products or services.
The most popular way to earn money on Vindale Research is through surveys and panels. The majority take between 5 and 15 minutes to complete and pay $0.50 to $2.00 each. It can take up to 5 business days to be credited to your account.
6. Re-Build Your Credit Wisely
Self was built to help people with no credit or bad credit improve their FICO scores. You simply “loan” yourself money each month. You set the amount and you pick the time frame (1 or 2 years). Self reports to ALL 3 credit agencies!
When your finished, you have a nest egg of hundreds of dollars that also earned interest. Your FICO score should be much healthier and you will be happier. Your Self account is FDIC insured like at any bank, so you have nothing to fear on that note.
If your goal is to get your credit on the right track you must try Self!
7. Handle Your Tax Debts
There are only two things in life that are guaranteed - “death and taxes”. The Internal Revenue Service (IRS) is relentless and if you owe them money it has sweeping effects across all aspects of your life. The IRS has the power to garnish your wages, seize your assets and place a lien on your property in order to obtain the money that you owe them.
If you owe the IRS and need assistance getting a loan may be your best option. IRS debt may be the most stressful debt a consumer can have, so settling it can be very important to your long term health goals.
8.Dump Your Car Loan
If you bought a new car, truck or SUV in the past 24 months you’re probably paying too much in interest. Getting a new car can be fast and easy — and can put more money in your pocket. You may be able to reduce your monthly payment and boost your total savings on interest by getting a new car loan.
If you want to lower your current car payment or simply upgrade your ride check out Smart Auto Saver. They can get you into the new car of your dreams at the payments you can afford.
9. Stop Paying For A Useless Utility
If you are paying a cable company to watch television you’re paying way too much! The average consumer pays almost $1,500 a year to watch cable.
Get FuboTV and save over 50% on cable. You can stream all your favorite local and cable channels for a fraction of the cost. Millions of Americans are quitting cable every month. The cable company doesn’t need your hard earned money.
10. Apply For A Loan On Your Terms
Credible maybe one of the best personal loan services in the US. You can borrow up to $100,000 and you can use that loan for basically anything. Whether your starting a small business, planning a wedding, buying a new car or what ever the reason Credible has a quick and easy application process.
If approved, you can get the funds in as little as 24 hrs.
11. Never Wait For Your PayCheck Again
Living paycheck to paycheck is the worse feeling. When you have a full-time job you should have access to your pay when you need it.
That’s why they made Earnin! Earnin is an amazing mobile app that gives you access to your paycheck whenever you need it. When you need cash before payday, you simply request it through their mobile app. The money will be deposited directly into your account. The only fee you pay is a”tip”. Earnin is a MUST HAVE app to make sure you never have to wait for pay day to have access to cash.
12. Get Paid In Gift Cards For Doing This
If you love to travel, you need to get Swagbucks.
Swagbucks is one of the web’s most popular rewards program and is partnered with top brands like Amazon, Walmart, and Target. One Swagbucks user reported that she’s earned $450 towards flights with Southwest Airlines Gift Cards.
Here’s how it works. You get cash-back when you shop online, take surveys and more. You can consistently make about $5 per day watching videos on Swagbucks. Redeem points for gift cards to Amazon, Target, Walmart and more, or get cash deposited into your Paypal account.