Choose wisely…

Many people, including us, have less than perfect credit. In our case, it was because of Evil Bossman. But for many others, it could have been due to a job loss, illness, divorce, or some other bona-fide reason. I really believe that most people with bad credit aren’t deadbeats, and they deserve a chance to get back on their feet.

There’s a great resource out there called BadCreditOffers.com. When you visit this site, you can compare the various credit services, side-by-side, and choose the one that is right for you.

For example, say you need a credit card. You can see a list of cards that people with poor credit can qualify for, and read all of the details about them. Some of these cards are secured, which means that you have to deposit X amount of money into their bank before they’ll give you the card. And that would be your “credit” limit. However, they require no credit check, so if everyone else has turned you down, these cards are a great alternative. If you make your payments on time every month, eventually they’ll give you back your deposit, and raise your credit limit.

Of particular interest to me is the home loans page. We’d like to buy a house soon, and it’s good to know that there are a few places where we’d have a better chance of getting approved for a mortgage. There are also options for those who need to re-finance their existing mortgage, or just want to consolidate their debts.

So, if you’re looking for credit options, and are frustrated because everyone seems to be saying no…perhaps BadCreditOffers.com can hook you up with someone who will say YES!