Credit Karma: Free Credit Reports

Credit Karma has just gotten better! Not only do they offer 100% free credit scores, but they now offer free credit reports. This is great news! Now you can log into your Credit Karma account at any time to review your most recent TransUnion credit report.

This is a fully detailed report that will give you enough information to see exactly where you stand at any time. This means no more waiting for your one free credit report that you’re entitled to each year. No more paying for additional credit reports at any other time beyond your free annual report.

I’ve been using Credit Karma for over 2 years and as good as it was before this month, it just got a whole lot better. I highly recommend Credit Karma for free credit scores and reports. Sign up requires no credit card information and just takes a few minutes. Sign up today!

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The End of Payday Loans?

It’s no secret that some states have deemed payday loans to be illegal. Other states allow them but put a limit on how much you can borrow. California regulations for instance, only allow a person to borrow up to $300 maximum per payday. Other states have much higher limits.
 
It is my personal opinion that the days of payday loans are numbered. Just this past weekend, a friend of mine went to pay his loan off with the intention of borrowing the money right back. The employee didn’t tell him that they were discontinuing payday loans as of that very day until after he placed his loan payment in the employees hands. Ouch!

Needless to say, he was really counting on that money to pay bills and other monthly expenses. The shock on his face when he found out that he wouldn’t be getting his cash back must have been priceless! He was informed by the employee that the company was losing way too much money due to borrowers refusing to pay back loans. Go figure… It’s a miracle they’ve been in business this long.

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