Bad Credit Finance Secrets Revealed

Bad credit finance companies have grown at an exponential rate in recent times, due to the wide reaching and major credit crunch felt by the credit industry the world over, many people are finding it increasingly difficult to gain access to credit. Credit limits have been slashed, new applicants are finding it nearly impossible to gain access to loans and credit cards unless they have a perfect credit rating, and so those who are deemed high risk by the credit institutions are facing an uphill struggle. Bad credit finance companies have allowed those on the fringes of the credit world to actually gain access to a legitimate, dependable and secure source of credit where they would otherwise struggle to gain, at least on just and equitable grounds.

Those with poor credit rating had a rather unenviable position, either they would be refused point blank in their application for a loan or some other form of credit, or in the unlikely event they were successful, they would suffer an increased interest rate which would mean more money to pay in the long run. Bad credit finance has helped to even the playing field somewhat considerably, and given the current status of the credit industry, may end up being the trend setter for the current recession.

Bad credit finance is something of an umbrella term that encompasses a number of different terms and policies for those with poor credit ratings, one of the most drastic being the debt consolidation loans. Such loans are a measure of last resort, and only a step above total bankruptcy, whilst very effective, they are not a soft option, and require full, proactive participation from the consumer.

The way these loans operate is very simple, all existing debts are paid off (or at the very minimum a proportion of them are paid off) by a lender who pays off the debts of the consumer and the consumer in return will then repay the loan owed to the debt consolidation company. Such loans tend to come with much more generous terms allowing for the cost to spread more evenly and thus reducing the financial burden on the consumer.

Bad credit finance loans are also common, these are simply loans for the consumer who has a less then unsullied credit record, and whilst these attract a higher rate of interest due to the increased risk associated with the consumer, these too have more generous and flexible repayment schedules. The repayment schedules are placed at a deliberately lower tempo so as to ensure that the consumer is able to meet the repayment of the loan in a more manageable form.

Bad credit finance ratings are almost inevitable nowadays, and can result for the most petty of things. Whilst the most obvious and worst will be the likes of bankruptcy, tardiness in the repayment of a debt, missing a loan payment or installment to even erroneous transactions can also have a negative and cumulative effect. You may think that when assessing a bad credit finance record, the lenders would rank the different negatives in order to determine those that pose the biggest threat, but given the current tense climate, many lenders are operating a scorched earth policy. This means those with bad credit finance are simply being turned down, no questions asked.


Asking God For the Impossible is Our Christian Gift

Have you ever asked God for something that seems impossible? We serve an almighty God that can truly create something out of nothing! Genesis tells us, “In the beginning God created the heavens and the earth…”The earth was formless and void…and God said, Let there be light.” Genesis 1:1-2-3 (NKJV). Asking God for the impossible is our Christian gift. He can make a way for you, even when there truly seems to be no way!

If God can make the heavens and the earth out of nothing, He can take the empty places in your life and truly create something wonderful! He can speak light into your darkest hour. He can take your formless dreams and give them tangible shape. He can revive your latent gifts and talents. He can make your crooked path straight. He also can fulfill you hearts desires in relationships and prosperity.

Also in the book of Genesis, God established a system for increase. “As long as the earth remains, there will be seedtime and harvest” Genesis 8:22 (NKJV). Everything in life operates off of seedtime and harvest. As long as you have seed, you have increase. But a seed will lay dormant until it is placed in the right conditions. You have to plant that seed and also water it in order for the seed to grow. A financial seed when watered will produce a provision in your life? The Bible tells us that (God’s Word) is water, and when you speak the Word, you are watering your seeds.

What are the Christian gifts that you have in your hand? Is it a Christian gift for true companionship? Is it a Christian gift for close relationships with family and friends? God’s system works on the principle of sowing and reaping. What you pour out will come back to you in increased measure. Is it the Christian gift for helping others? When you help others succeed, you will find abundant success on your path as well.

“Give generously, for your gifts will return to you later.” Ecclesiastes 11:1 (NLT).

Why not ask God in prayer today to show you what your seeds and gifts are. But, you have to be absolutely determined to get your answer from Him. You cannot just ask Him and then decide to do things your own way, or doubt that He will give you the answer. That is being double-minded. When you’re double-minded, the Bible says you will not receive anything from the Lord. Never let that be you! Always have a one-track mind that is focused on God and His promises. Truly believe that He is going to generously bless you, and keep an attitude of strong faith and true expectancy.

Remember, you are created in the image of almighty God. There is power in your words. Speak life to your hearts desires, and stay in an attitude of faith and expectancy. If you will truly keep your heart humble before the Lord and stay connected to Him through your prayers and studying His Word, you will see fruit begin to form in your life just as He promised! Asking God for the impossible is our Christian gift. God can truly take you places that you have never dreamed where possible.

Family-eStore will try to provide you with articles of interest to a Christian and patriotic way of life. The articles are written by Steven Coffman (Owner) of [], (National Essay Contest) winner 1969.

I am a person with strong Christian and patriotic beliefs. Tenacity, faith, and a belief in God, Country and Family are key components to success in life.


Ebay – Delivery is Everything

“It doesn’t matter whether your product is information or a flyswatter. If you understand marketing, you can make serious income.” Robert G. Allan, Author Of Multiple Streams of Internet Income

How will your offerings make me look better, feel better? What will my family and friends say? Will this help me enjoy my leisure? Money is forever the great desire.

Now more than ever, people seek financial security, and look for ways to save money- especially over the long run. Saving money and buying at a lower price are sound copy points. But they must be followed through with benefits, reasons, more benefits and sound facts.

When designing each of your listings, stick to the facts and BENEFITS [“What’s in it for ME!?!”]! A potential customer may be sold, but will that person buy?

Getting Your Reader’s Attention-

Endorsements and testimonials are effective ways to dramatize facts and back up the benefits of your product, but don’t use ones that seem transparent. They’ll ring falsely.

There are eBay policies and federal laws against misleading advertising, and they do check up on and prosecute against fraud.

If you use an endorsement from a famous or popular person, that person should use the product. Any testimonials you use must be true. Always aim for satisfaction. Self-respect, accomplishment and security are human aspects everyone strives for.

Never talk down to the readers as though you know something they don’t or you’re better than they are. To you, the potential customer is POTENTIAL GOLD.

You’ve caught the reader’s attention with a catchy headline.

You’ve followed through with good copy that demonstrates benefits and appeals to the reader.

Now- before you lose that interest -ask for an order.

You can to close the gap between reading your sales copy and acting upon impulse. The purpose of your eBay ad is to make people buy. You have to tighten the desire to buy.

An iron-clad money-back guarantee is the most useful tool in pressing action; the more generous, the better! It goes for the bottom line:

What do I have to lose?

And it affirms the quality of the product. If you are willing to back the claims you make with a full refund, you can get a hook into those borderline buyers.

Absolutely STAND BEHIND your word. Be cheerful and expedient in returning a refund. Let them know that you sincerely appreciate their business and not to hesitate in contacting you, if there is any way you can be of further assistance.

If you give a time limit the product will be offered for sale, or mention a limited supply, or have a reduced price for a certain time, you’ll increase the impulse to act.

Again, STAND BEHIND your word; do not make a “time sensitive” or limited quantity offer that- in fact- is not; illegal and unethical- better to be a flaming spammer!

What you’re after:

Appeal to the reader’s urgency;

Make the product totally irresistible to have- now;

Extend a generous guarantee;

Whole-heartedly stand behind the above!

What is your competition doing? When testing new ads; start with the tried and true. Don’t try to be different. It is the sound and worthwhile that brings in the customers- time and time again.

Layout Considerations-

The ad must be interesting to look at and should have a feeling of movement and action. That movement is not necessarily in the photo, but the placement of photo and copy in the ad, so the eye goes from one to the next in easy, exciting movements.

You’ll need to consider where the photo will be, and its relation to the headlines and body text.

Perhaps you are showing the product in use, or maybe the photo is just a simple picture of the product.

A rule of thumb in layout is to use contrast. The most obvious contrast is the black print on white paper. Use that white space. Although it’s not apparent, the white space is as important in the visual appeal as the illustration and type.

Don’t try for symmetry. The unusual or irregular catches the eye more readily. The photo works hand in hand with the headline to grab reader’s attention.

Be simple and direct. Don’t push too much copy into a small area, crowding the photo. If you don’t have room, cut copy or reduce the photo.

You can use any size and style font you want for the ad. But don’t get carried away. You shouldn’t use a special font unless it helps sell the product. And, never use a headline type that’s hard to read.


Credit Problems – Trusted Solutions!

Credit problems affect many of us, and what with recent troubles endured within the global market and economy, countries across the world have seriously felt the pinch, with recessions, rising property values ready to come tumbling down, and major levels of personal debt accumulating all the time. Credit problems are especially difficult to overcome and triumph over, as a direct result of the way in which our credit system operates. Credit history is used by financial lenders (be it credit agencies, banks etc) to act as a makeshift guide and reference as to riskiness of the particular consumer. Risk in this context means the chances of the consumer not paying off their debt, be it on time, or at all, and so in a bid to try and safeguard against this, increased interest rates are charged. The increased rates are chargeable only to those borrowers who are deemed to be high risk, so those with a decent score do not have to worry about such credit problems.

A common misconception is that if a consumer acquires credit problems on their credit record, then these will remain forever, a black mark that will permanently hinder their chances of success. Credit ratings can be salvaged and repaired, so your credit problems do not need to plague you for the rest of your life. Credit rating as indicated earlier is determined and affected by, as well as being a reflection of all transactions you have engaged in. Reasons for poor credit and credit problems in general are wide reaching, according to recent surveys conducted in the US, almost a third of all personal bankruptcy petitions were filed as a result of mounting medical expenses. With increase costs of raw materials and reduced profits for the final products, as well as increased taxes, many companies now have to carry out mass purges of their staff, and levels of redundancies have reached an all time high.

Bankruptcy is a very drastic decision and one that has very significant consequences and so is not a decision to be undertaken lightly, but only with the advice of a professional financial expert and when all other options have been exhausted totally. You maybe better off utilising a debt consolidation loan, whereby you assign all your existing debts to a lender, who will lend you the money required to pay off the existing debts. This not only reduces the debts owed, but also the number of outstanding creditors, and thus potential law suits in the event of default.

Obviously you are still required to pay off the debt consolidation loan; however the terms of such loans are more generous than what you could ever hope to receive with a mainstream loan. In addition they tend to offer much more generous time frames, offering the borrower that much coveted breathing space and can be a great way to slowly get your credit score back on track.