• Money

    How do I get a credit report online, and is it possible?

    Nowadays, when considering the application of the client for the issuance of credit special attention is focused on the credit history of the potential borrower, information about which is requested by the bank in the credit bureau. The purpose of creation of the Bureau was to reduce the risks when loaning. Credit report – is a document reflecting the client’s reputation as a borrower. In this way, bank receives information about the customer`s existing loans and the quality of service loan repayments. This information has an impact on the adoption of decision by a credit institution on granting a loan. How to get a credit report? The borrower is entitled…

  • Other

    Credit report – why do you need it?

    Credit history – is a dossier containing information on the solvency liability of the borrower, the amount of his appeals to the banks, as well as approved and paid loans. To be interested in such dossiers must not only financial institutions but also the client. Every year on the Civil Code and the laws dedicated to banking, any natural person has the right once a year on a free of charge basis to receive a credit report or an extract from the CH. Moreover, a request for such a report is advisory but not binding. Yet all analysts advise not to ignore the recommendations and contact the Bureau of credit…

  • Money

    How to donate a car to charity

    Gather information about the charity center or the car donation center where you consider to donate your car. All charity centers are different. Like everything else in life, some are good, while others are working in bad faith. It is unlikely that you will know about it until you have enough information about them. Here are some relatively simple ways to do this. Before you donate your car to a charity or non-profit center for car donation, you should check their tax documentation, simply go to the site irs.gov. Check the tax deduction. Another point that you want to learn- documentation of the tax deductions that you get when you…

  • Money

    The most effective way to pay off debt

    1. In the first place – with the highest reduced rate This would seem obvious, but many people try to extinguish the first small loans to pay at least a part of it. In this case, you overpay the interest of service, so that the total sum obtained is bigger. For example, you have one loan at 13% per annum, the second – at 10%. For the same loan amount, focus on payments of 13 per cent loan, paying the minimum payments on the other. You will have to pay the interest any way, but in such a way you will make them smaller. Tip: Calculate loans: extinguish those that…

  • Money

    The information you need to know if you’re going to make a donation

    To whom can you donate? The list of organizations is long, but they share a common principle – non-profit organizations. These can be: a community trust fund established exclusively for charitable, religious, educational, scientific or literary purposes, or for the prevention of cruelty to children or animals; churches, synagogues and other religious organizations; war veterans organization; non-profit volunteer fire company; volunteer organizations; cemeteries, crypts, etc. What can you donate? You can give to charity, followed by a deduction from the tax, almost everything, most importantly, that these things were in good or very good condition, ie, a broken vacuum cleaner won`t be accepted. You can donate: money; clothes and other…

  • Money

    The credit balance

    The concept of the balance came from Italy. As an accounting term, it stuck in the XIX century. The balance is translated from Italian as the rest of the calculation, the price paid. In accounting, it means the difference between the amount of pay-in account, that is, flow rate, and expense account – credit. At the beginning of the XX century its meaning has expanded and moved beyond accounting. Types of balance Credit balance – in this case credit is bigger than flow rate. This indicator makes it possible to see the status of a source of income that is used for the execution of business affairs of the enterprise.…

  • Money

    What is a balance transfer of credit card?

    Foreign borrowers have little use of “cash” loans so popular among Russians – for all the payments they use the credit cards and with their use generally occur most questions from those of our citizens who work, study or went abroad forever. Moreover, the specificity of credit cards (and credits in general) in Europe or the States is very different from the loan “plastic”, to which the Russians have become accustomed. For example, to such a question as refinancing we come only in respect of mortgage loans, and Russian banks do not give the possibility to change the conditions on most of the current credit agreements. Abroad, the credit organizations…

  • Money

    Features of peer2peer credit loans

    The world never stays still. It is constantly changing and developing. In the twenty-first century, it feels particularly dynamic: rapid growth of technology and globalization became an integral part of our lives. Each of us daily faces various aspects of technological progress and information exchange. Separately it’s worth noting the financial sector as a standing on the front-line of technological progress. In the developed and developing world, it has long become synonymous with a dynamic and changing world and a symbol of global links between the countries and corporations. World’s leading research centers have already drawn attention to this relatively new segment of alternative finance market and are quite optimistic…