Credit Learning Center

We are here to help educate you about all matters relating to credit and lending, so you can succeed in the financial world!

Financial Dictionary - The largest and most comperhensive financial dictionary on the Internet. Here, you'll find a definition for most every lending and credit related term.
Loan Calculator - Loan payment calculator with payment schedule. Find out exactly how much each payment will be, how much interest you will pay, and print out a payment schedule.

Payday Loan Laws - Read about the legal rights you have when dealing with payday loans. Learn exactly what laws your state has in place to protect you.
About Payday Loans - All about payday loans. What is it? How does it work? Learn everything you need to know if you're considering a payday cash advance.
Dos and Don'ts - Do not make mistakes and fall into a trap. Learn about what to do and what not to do when taking out a paycheck loan.
Pros and Cons - What are the benefits of payday loans? What are the drawbacks? Read for yourself.
Avoiding the Pitfalls - Don't get caught in a trap you cannot get out of! Learn what you should and shouldn't do when considering a payday loan.
Payday Loan FAQ - What happens if I cannot repay my payday loan in time? Does bad credit affect my qualifying status? Learn about these and more in the payday frequently asked questions.
Payday Loan Controversy - A large amount of controversy surrounds the payday lending industry. Learn why.
Online Loans - How the Internet has trasnformed the payday loan industry.
Cash Advances - Often people confuse cash advances on credit cards with payday loans. Read why.

About Debt - Educate yourself about the principles of debt.
When Do You Have Too Much Debt? - Know when your debt has grown to exceedingly high levels.
Credit Card Debt - The most common culprit when it comes to putting Americans in debt over their heads.
How to Minimize Credit Card Debt - What you need to do to keep credit card debt at bay.
Taking Action Against High Debt - The steps you need to take when you've decided to fight against large debt.
Professional Debt Assistance - When you can no longer fight debt on your own, you can get professional help -- but be careful.

Your Credit Score - Perhaps the most important numbers in your financial life, learn how your credit score affects you, and what you can do about it.
Improve Your Credit Score and Correct Mistakes - What you need to do in order to improve your credit score and correct often made mistakes that are not your fault.
What Can Lower Your Credit Score? - The financial decisions that can have a negative effect on your credit score. Learn about them so you don't ruin your credit.
About Bad Credit - What is bad credit and how people get involved with it - along with the consequences bad credit brings.
Credit Evaluation - When you apply for a loan, lenders look at certain things from your history. Read what loan issuers focus on when they decide whether to fund your loan.
Steps to Good Credit - If you've fall into bad credit, there are things you can do to help yourself get back to a good credit standing.
About Credit Reports - What exactly is contained within a credit report and what you need to do to be in good standing.
Identity Theft - The fastest growing crime in the country can strike you at any time. Learn what you can do to prevent identity theft, and what to do if you become a victim.
Free Credit Report - With the passing of a recent federal law, all three credit bueraus are now required to give you a free credit report once a year. Learn how you can get your's.

Mortgage Information - Everything you ever wanted to know about mortgage loans. If you're thinking about buying a house, learn about the types of mortgage, fees, taxes, and more, so you're informed about your decision.
HELOC - Is a Home Equity Line of Credit right for you? Read all about a HELOC - including advantages and disadvantages - and be informed.
Adjustable-Rate Mortgage Pros and Cons - Learn about both the good and the bad aspects of ARMs, and if one is right for you.
Mortgage Tips - Learn about the secrets mortgage lenders don't want you to know about, and how to get the best possible rate on your next home loan.
Essential Mortgage Terms - The four numbers you must know before you take out a mortgage loan. Read about rates, points, fees, and closing costs.
Home Purchase After Bankruptcy - If you or your spouse have filed for bankruptcy and you wish to purchase a home together, find out the steps you need to take.

Personal Loans - What makes personal loans unique, and is one right for you? Read about personal loans before you apply for one, and you'll be more prepared.

All About Bankruptcy - Read about Chapter 11, Chapter 7, Chapter 13, and Chapter 12 bankruptcy - also known as straight bankruptcy, reorganization, farmers' bankruptcy, and adjustment of debts for individuals with regular incomes.
New Bankruptcy Law - In 2005, the government instituted the Bankruptcy Abuse Prevention and Consumer Protection Act. Read how it affects you.
Life After Bankruptcy - How your financial life changes after going through bankruptcy procedures, and what you can do to minimize the negative effects.

Consumer Credit Cost Disclosure Act - the Truth-in-Lending Act - The Truth-in-Lending Act, dealing with deceptive credit practices.
Consumer Credit Protection Act - The primary source of federal credit laws.
Equal Credit Opportunity Act - Forbidding against discrimination.
Fair Credit Billing Act - Protecting people against credit errors.
Fair Credit Reporting Act - Giving people more information regarding credit matters.
Fair Debt Collection Practices Act - Protects borrowers against harrassment.
Payday Loan Laws - Read about the legal rights you have when dealing with payday loans. Learn exactly what laws your state has in place to protect you.