We all make mistakes with our finances. Even A-List celebrities and athletes get features in “page six” of many tabloid magazines when their financial issues go public for all to see. So, when mistakes affected your credit, celebrity or not, there is no reason why you should live the rest of your life paying for them.
If your credit is less than stellar for whatever reason, no sweat. There are still tons of money-saving programs and services available from companies that understand your mistakes shouldn’t follow you around forever.
Get The Right Information About Credit
The Federal Government gives amazing information about credit, and it’s all free. When you visit their USA.Gov site you can learn everything about Personal Loans, Deposit Accounts and even how the credit companies make your FICO score. Getting the right information about your credit is critical and getting it for free is even better.
Get Your Free Credit Score From All The Credit Agencies
Credit Sesame wants to help you improve your credit and start building up your credit score. So they offer free credit score checks, insight into what factors are hurting your credit score, and tips to help improve it. They can even help you find credit cards offers for poor credit to help you on the way to a better score.
Lower Your Mortgage Even With Bad Credit
So, your credit isn’t awesome. Guess what, you can still refinance your mortgage at a better interest rate, which means lower payments and more money in your pocket each month. FHA Streamline Refinance program gives you that flexibility without scrutinizing your credit score or requiring an appraisal or verification of your income. And bankruptcies are no problem. You just need to be current on your existing FHA loan.
Getting A New Car With A Low Credit Score
Bad credit shouldn’t prevent you from having reliable transportation. So if you need a set of wheels, but don’t necessarily have the cash to fork out for one—and your credit falls into the “could be better,” category—bad credit auto loans are available. With LendingTree, they help you shop around for rates by giving you offers from multiple lenders. While the interest rate may be higher, it allows you to work on your credit score by staying on top of your payments.
Get Help With Your Credit Card Debt
When it feels like your loans are ganging up on you, it’s time to consolidate. Debt consolidation rolls all your debts into one loan at a lower interest rate, so you can save money and have fewer payments each month. It can even help you pay off your debt sooner. And shopping for a debt consolidation loan is super easy with SuperMoney. Their loan offer engine allows you to compare prequalified offers side-by-side. For free. Without hurting your credit score.
Earn Free Gift Card
When you’re strapped for cash, every little bit helps. Swagbucks wants to put money back in your pocket for doing the things you do anyway. Just sign up and start earning rewards for shopping online, getting paid to take surveys, watch videos, and play games, redeeming coupons in-store, referring your friends. No credit check required. It’s a simple way to earn extra money to help you reach your goals.
Get Free Budgeting Help
It can be tough to build up your credit score when paying your bills each month is a struggle. Trim is a free app that will help you track your spending to find ways to save money and pay off debt. It makes recommendations to cut your monthly bills by negotiating down your cable bill and canceling old subscriptions. You can even set alerts on your accounts to prevent overdrafts and late fees.
Get A Specialty Loan If Your FICO Is 620
Life happens. And sometimes you need a helping hand to pay for those times when unexpected emergencies pop up. If you have bad credit and a job, BadCreditLoans.com will help you. The loan application only takes about five minutes, and you can get approval as fast as the next day regardless of your credit score, no collateral required. So, while they help you avert a crisis that might otherwise throw your finance plan off, they also provide helpful budgeting tips to help keep you on track.
Get A Free IRS Tax Evaluation
Death and taxes are always categorized as the only knowns in life. But perhaps we can also file them under “things we dread.” It can be confusing figuring out your taxes. And you want to make sure you aren’t paying too much each month and that you get the full return you deserve. Free help is available, and your credit score doesn’t matter to them.
Get Extra Help When You Shop Online
Paying sale price for your purchases is a solid strategy to improve your financial health. But do you ever wonder how many items go on sale right after you purchased them? Retailers are good enough to offer a refund, if you ask, but keeping track of all your purchases can be a pain. Paribus can help. They take away the headache and help you save serious dough on the purchases you already made. Here’s how: they monitor your online purchases for 30 days, watch for price drops, and email the retailer on your behalf to get your refund.
Get Free Information About A Reverse Mortgage
If you are looking for extra income during your retirement, are over the age of 62, and have significant equity in your home, you may qualify for a reverse mortgage. A reverse mortgage means you are borrowing against the equity on your home, which is eventually repaid when the home is sold. And if you don’t pass the “creditworthiness” muster, banks must consider that the funds just might help ease your financial woes. So even if your savings aren’t where you want them to be, you can still live comfortably in your retirement without making monthly mortgage payments.
Make Easy Money For Filling Out Surveys
When you need extra income, why not consider taking paid surveys online? Companies pay people who use their products and services for their input, then use the data to make improvements and sell even more products and services. With Vindale Research, you can take surveys and earn cash, between $.25 and $50 per survey. You can also earn by watching videos, referring your friends, and opting into their rewards mail program. Registration is free, no credit check required.
Cut Your Energy Bill & Get A Free Echo Dot
You do a lot of things to keep your energy bills low like turning off lights and unplugging electronics. Just think of how much money you could save if you had free electricity. Direct Energy Twelve Hours on Command 12 program offers 12 hours of free electricity every night AND a free Amazon Echo Dot. And their Power-To-Go plan lets you buy energy when you need it and Saturdays are free–no deposit, no contract required, no credit check.
Don’t Get Stuck With Costly Car Repair
Keeping up with the normal wear-and-tear of your vehicle is expensive enough. Then throw in an unexpected repair, and your finances are in a tailspin. Give yourself some peace of mind with an auto warranty plan. You can get affordable coverage, regardless of your credit score, for everything from roadside assistance to pricey transmission work.
Start Clipping Coupons To Pay Down Debt & Boost Your Credit Score
Feeding your family affordably while keeping your bottom line in check has never been so easy. Coupons.com offers savings on the national brands you love and can find right in your regular grocery store. No need to hop from store to store to get their best in-store offers. Sign up for free, no credit check necessary, and you can create grocery lists and save the coupons to your phone.
Get A Free MasterCard & Stop Paying ATM Fees
The only thing more annoying than going to the bank to do your banking is putting up with all the fees. Aspiration is having none of that. They are a hassle-free online banking solution that offers a free checking account with a debit card that also earns interested, putting cash back into your account. And you’ll find none of the fees that other banks charge, like ATM or overdraft. The only fee they charge is what you think is fair, even if it’s $0. And when you open an account, they only run a “soft credit check,” which won’t affect your score.
Restructure Your Home & Auto Insurance
Cutting costs doesn’t mean you have to cut your car insurance coverage. Allstate offers discounts on things like how safe a driver you are, how you pay, safety features on your car, and the age of your car. Your credit score may affect your rates, but they are happy to help you find other ways to save—and even work on improving your score. Just call their helpful agents and they will help you find the best available discounts, adjust your coverage as your life changes, and answer all your questions.
Plan For The Worse & Get Cheap Life Insurance
We know, getting life insurance is on your to-do list. As you get your financial house in order, it’s one more layer of protection you want to provide to your loved ones to help pay off debt, provide for your family, and help cover living expenses. So, if you have five minutes, go ahead and apply for life insurance with Ladder Life. It won’t affect your credit score, and they’ll let you know right away if you qualify. Ladder Life offers competitive pricing, flexible coverage you can change as your life changes, and price lock guarantee. If you’re not sure how much insurance you need, they even have a handy calculator.
Get Access To Free Debt Counseling &Management
The folks at Tally want to help you improve your credit score, like so many of their users have. That’s why Tally offers an automated debt manager called Tally Advisor. It analyzes your credit card balances, due dates, and interest rates and suggests a plan to pay off your debt in order of the highest interest rate. This plan helps you pay off debt faster and save the most money. It also helps you stay on time with your payments, which, coupled with paying down your debt, can help hike up your FICO.