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At different times in our lives, especially in these poor economic times, we can find ourselves a little over our heads in debt that can lower our credit score. Then our credit reports are banged by creditors with late and past-due payment items. One of the purposes behind hiring a good credit repair company is that they can work to bring your credit report current while you are paying down your debt load. They can also work with you and your credit reporting agency to see that your report is free of any misstatements or inaccuracies. Read the rest of this entry »

If you need money but don’t have a good credit history, then you may qualify for a car title loan. A car title loan is basically a secured loan where you put your vehicle up for collateral. There are many lenders of such loans found across the country. Whether you live in Las Vegas, Nashville, Atlanta, Chicago, Albuquerque, Kansas City, or Phoenix, you can be sure that there are car title loan companies near you. Read the rest of this entry »

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Certificate of deposit rates are at or near all time lows. Current rates are just averaging about 2.0% so far this year. A year ago you could find one-year certificate of deposit rate of up to 5.0%.

Low certificate of deposit rates are mainly due to the Federal Reserve Bank lowering the Federal Funds Rate (the interest rate which banks lend their funds deposited at the Federal Reserve to other banks usually overnight) to historic lows. The current Federal Funds Rate is targeted between 0% and 0.25%. Also contributing to the low deposit rates on certificate of deposits and savings accounts is the Troubled Asset Relief Program (TARP). Banks are funding their reserves by participating in TARP so they have less of a need to lure depositors with those special high interest promotional CD rates. Read the rest of this entry »