3 Things To Do Before Taking Out A Personal Loan
There are many types of loans, but if you are looking for one that can be used for nearly anything, a personal loan will be your best bet. Personal loans are unsecured and may be used for many purposes, including debt consolidation, home improvements, or personal expenses like weddings. Personal loans are versatile, but since they usually have fixed interest rates and monthly payments, they offer some stability. If you are considering taking out this type of loan, here are three things to do.
Bail Bonds Companies: How They Can Help Protect Your Privacy
When you are arrested, your privacy is the last thing you're likely to be thinking about. However, with the help of a bail bonds company, you can protect your privacy and ensure that your case proceeds as smoothly as possible. Here's how bail bond companies can help. Confidentiality Agreement Bail bond companies can help protect your privacy as they require all clients to sign a confidentiality agreement. A confidentiality agreement prohibits the bail bonds company from sharing any information about you with anyone, including the media.
What You Need To Know When Considering A Mortgage For Your Home Or Property
Purchasing a home or property often involves a lot of money and a mortgage or loan from a bank, credit union, or mortgage company. The amount of money you need and the terms of the loan are often different from one lender to another, so it is essential that you understand the details and get the best loan for your situation. Down Payments A mortgage loan often requires a down payment you pay to the lender to get things started.
What To Consider When Seeking Staff Agency Business Financing
Starting a staff agency business is not a walk in the park as there's a lot to do, including funding the entire project. Financing a start-up requires proper planning, patience, and financial knowledge. You also need to know the right funding strategy to use so that you don't run out of funds or get too deep into debt. Here are some things to consider when seeking a staffing agency for business funding.
Buying A Home? What To Know About Mortgage Lending
For many, owning a home is a good financial decision. Homeownership allows you to build equity and gives you a place to call your own, among other positives. While there are numerous reasons to buy a home, brushing up on mortgages is crucial before committing to one. There are many mortgage solutions, but there's no one-size-fits-all option. Finding a suitable mortgage will take some research. Here's what to know about mortgage lending if you are about to buy a home.
Bail And Criminal Charges: What To Know
When you end up behind bars and charged with a criminal offense, your priority is getting out of jail. Jail is not a good place to wait for your trial to begin since that could be months and months from the time of your arrest. You need to be out of jail so that you can not only stay safe and healthy, but can continue to work, spend time with your family, and prepare to face the charges.
3 Facts You Should Know About Posting Bail Through A Bail Bond Financing Company
The desire to secure a loved one's freedom by posting bail is quite understandable. After all, no one really wants to think of their loved one being incarcerated when it is possible to secure their release. However, before you rush out the door to visit a jail bail company in search of a bond, there are a few facts that you should know in order to ensure this experience goes smoothly.
5 Tactics For Businesses That Can't Get Approved For Bank Loans
As the old adage goes, you have to spend money to make money. This sentiment is particularly true when you're trying to start a business, but you can't spend money if you don't have it. Businesses need funding to get off the ground, but it can be hard to qualify for business bank loans. Here are five tactics to try if you need business funding but can't qualify for a business loan.
3 Main Types Of Mortgages: Which One Is Right For You?
If you're looking to buy a home, you'll need to decide on the type of mortgage you want. There are various mortgage options available, and each has its benefits and drawbacks. Here's more information on the most common types of mortgages. Fixed-Rate Mortgage With a fixed-rate mortgage, the interest rate remains the same throughout the entire duration of the loan. Since you'll know what amount to pay every month, you can easily budget or set aside money for other expenses.
Tips For Acquiring Money Through A Pawn Shop Loan Or Sale
What do you do when you need some extra money right away? Some people visit banks for loans, but loans take time to process. One option you might look into is a pawn shop loan. Pawns shops offer several services, including sales, purchases, and loans. When you need a quick way to get some cash, you could consider this option. Here are several tips to help you learn how to do this and get the most out of the transaction.
4 Compelling Reasons To Consider Mortgage Refinancing
As the name suggests, mortgage refinancing refers to getting a new mortgage by trading in the old loan. The new loan enables the bank to pay off the existing mortgage. Generally, the new loan offers improved terms and conditions. For instance, you might want to remove a co-signer who is no longer committed to repaying the loan. With that said, here is why you should consider mortgage refinancing today. 1. Access Better Mortgage Rates
Get Familiar With These Mortgage Terms Before You Apply
Are you currently looking at homes for sale, and you'll soon be ready to apply for a mortgage? If so, it will help become familiar with the various terms that will be used during the process. You will benefit from learning about a real estate loan lending program. Principal And Interest Be aware that your entire monthly mortgage payment does not go towards reducing your debt. Your monthly mortgage payment is broken up into principal and interest.
4 Questions To Ask When Taking A Personal Loan
When you decide to borrow some money from a bank, you might want to pursue a personal loan. A personal loan provides cash that you can use for any reason or purpose. Whenever you get a loan, it is important to ask some questions. Here are four you should ask a lender before you borrow money through a personal loan. 1. What Credit Requirements Do You Have? Before you apply for the personal loan, you might want to ask the lender about their credit requirements.
How An Instant Direct Deposit Loan Works
Have you ever needed cash immediately but had no way to get it? Many people encounter times like this, and some turn to instant direct deposit loans. An instant direct deposit loan is one of few loan types that offer instant proceeds. These loans also provide a way to borrow money without a credit check. Here is an explanation of what an instant direct deposit loan is and what to expect with the process.
Incorporating Real Estate Investing Into Your Strategy
For a person that is wanting to grow their money, taking advantage of promising investment opportunities is critical. However, they may not appreciate the range of investment options that are available to them. In particular, it is often the case that people will overlook the option of investing their money into real estate. What Makes Real Estate Investing Attractive? There are many factors that can make real estate investments attractive to both individual and institutional investors.
3 Things You Should Know Before Hiring A Bail Bond Agency
It can be frustrating to get your loved one out of jail, especially when you are new to how bail bonds work. Most people have a hard time acquiring and paying the complete bond amount upfront. Therefore, bail bonds agency services could be invaluable under such circumstances. You should know important information about the defendant before reaching out to the agency. Knowing the defendant's full name, the jail location, bail amount, and booking number will help the bail agent facilitate the process smoothly.
3 Questions To Ask Mortgage Lenders Before You Agree To The Loan Program
If you need a mortgage lender to buy a home, it's good to ask them a few critical questions before you agree to the loan program and sign your paperwork. You can contact different lenders to ask these questions, make comparisons, and decide which lender is best for you based on what they tell you. What Is the Interest Rate? Each lender offers a particular interest rate. The interest rate doesn't just go by what the lender wants but also by your credit score.
3 Factors You Need To Understand About Financing A Vehicle
If you have a vehicle you are interested in purchasing, you will want to figure out if you want to pay cash for the car or if you want to finance the vehicle. Financing the vehicle will allow you to have more cash flow and spread the cost of purchasing a vehicle. #1: Total Purchasing Price When it comes to purchasing a vehicle, it is essential to understand the total price you will end up paying for the car.
What To Know About A Fixed-Rate Mortgage When Buying A House
When you start shopping around for a mortgage loan, you might see many options available. One option you will see is the choice between a fixed-rate mortgage and a variable rate. What is the difference? Is there anything you should know about fixed-rate mortgages before applying? Most people prefer fixed-rate loans, and here are several vital things to know about them as you begin looking for a mortgage. The Interest Rate Is Always the Same
Things To Compare When Searching For The Best Mortgage
If you can compare mortgage options through several lenders or loan programs, you will likely see many differences. Some loans offer better terms than others, and some offer lower fees than others. If your goal is to buy a house with the best mortgage possible, you might want to compare your options. Here are some top factors to compare as you search for the best home loan for your situation.
What Might Be Preventing You From Getting A Mortgage Loan, And What You Can Do To Fix It
You might have dreamed of owning your own home one day, and you might have applied for a mortgage loan in the past. If you were turned down for that loan, then you might have been heartbroken, and you might have assumed that you would never actually be able to purchase a home. However, if you can figure out what is preventing you from getting a mortgage loan and can take a few steps, you might be able to fix the problem and finally qualify for a loan.
Does A Preapproval Guarantee A Mortgage Loan?
Before your real estate agent begins showing you homes for sale, they will ask for your preapproval letter. If you do not have one, you will need to get one. A preapproval letter from a lender shows that you are a qualified buyer, but does it guarantee that you can get a mortgage loan? The answer is no. Here are several vital things to know about preapprovals and approvals with mortgage loans.
Small Business Loan Provider
Small business is the backbone of all small towns and metropolitan areas. Cities of all sizes benefit from local entrepreneurship through products, services, and employment opportunities. Businesses often start at a kitchen table through a simple idea often without enough resources to make it a reality. Personal savings is not always enough to get an idea off the group and producing consistent profits. Some individuals avoid debt in their personal life, and do not see the value in going in debt.
3 Ways To Save On Your Mortgage
Taking out a mortgage is a huge responsibility. Your home is likely going to be your most significant investment, which is why finding the right home loan is essential. Rushing through the mortgage process is a mistake that you do not want to make. Not taking the time to find the right mortgage can cost you dearly over time. If you are buying a home and plan to finance, here are three ways that you can save on your mortgage.
Questions You Might Have If You Are in Jail and Need a Way Out
Being stuck in a jail cell for even a few hours can be uncomfortable, frustrating, and embarrassing, but this is the result of an arrest. The good news is that you might not have to stay in jail for a long time. Most court systems allow inmates a way out. Are you interested in finding out how you can get out of jail by paying bail? Are you wondering if you need a bail bond agent to get released?
Requirements for a Car Title Loan
You need cash now but have no way of getting a loan. Do you have a car with a title? If so, you are in luck. You can borrow money through the car's title by taking out a car title loan. If this sounds good to you, here are the main requirements you must meet to be eligible for one. You Must Have a Car The first requirement is to own a car.
Helpful Tips When Planning To Get An Installment Loan
If you're looking to fund a large purchase, it may be necessary to take out an installment loan. This is where you borrow a sum of money and then pay it back over time, plus interest. You can have a stress-free time getting one of these loans, thanks to these tips. Improve Credit A huge factor to consider when getting an installment loan is the interest you'll have to pay back.
Free Checking Account: FAQs For Prospective Account Openers
Checking accounts are a valuable thing to have to receive your paychecks and avoid having to carry around physical money. Thankfully, the majority of banks do offer some type of free checking, and these accounts can be super easy to open and use. If you are considering opening a free checking account, there are a few things that you probably want to know before you look for the right bank.
Why Refinancing After Your Bankruptcy Posting Falls Off Credit Might Be A Good Idea
You can purchase a house after filing for Chapter 7 bankruptcy if you wait a certain length of time; however, the rate you incur on your loan is based on your current credit rating. With a Chapter 7 on your report, your credit score would likely be lower than it could be, but this can all change when your bankruptcy posting eventually falls off your credit report. When this happens, refinancing your loan is often a good idea.
How To Protect Your Preapproval While House Shopping
Did you know that getting preapproved for a mortgage is a necessary step before you shop for a house? This step is important as it lets sellers know that you are able to get a loan to buy a house, and it helps you determine your budget when house shopping. What you might not realize, though, is that you can lose your preapproval from the time you get it until the time you buy a house.
How To Get Out Of Jail With The Least Amount Of Bail
After the police arrest you and book you into the local county jail, they will probably tell you the amount you must pay for the bail. This amount is typically the amount listed on a schedule they have in their jail, and this schedule lists all types of charges along with the bail amounts for the charges. If you want to get out of jail by spending the least amount of money out of your pocket, here are several things you should know.
The Costs You Will Have When Buying A House With A VA Loan
A lot of people who were or currently are in the military turn to VA loans when they want to purchase homes to live in. VA loans definitely have some advantages for people that qualify, including the ability to buy a house without putting money down, but there are still closing costs involved with getting a VA loan. If this is the type of loan you are thinking about getting, here are some of the closing costs you should expect to pay.
3 Things To Understand About Bail Enforcement Services
When you are taken to jail and are released on bond, you are required to follow all the rules and regulations set forth by the judge, which includes showing up for all of your court appearances. If you don't show up for your court appearances and you don't notify your attorney or the judge with a valid reason, such as being in the hospital, the judge can revoke your bail and issue a warrant for your arrest.
3 Useful Tips When Working With A Bail Bondsman
Jail is not a fun place to end up. It can be stressful and scary. If you've found yourself locked up, consider working with a bail bondsman. They'll help you post bail quickly. This experience will go smoothly too if you utilize these tips. Find Out the Bail Amount Before hiring a bail bondsman, you first need to know how much your bail amount is. Only then can you decide if you can afford bail or if you need to hire a bondsman to get you out of this sticky situation.
3 Important Tips For Securing A VA Loan
Buying a home can be challenging, but help is available if you qualify. VA loans are excellent options for veterans who want to purchase a home in the most affordable manner possible. If qualified for a VA loan, you can avoid PMI and down payments in most cases. Of course, proper preparation is essential if you want to apply and secure a VA loan easily. Here are a few tips to guide you through the process.
Locked Up? Two Reasons Why You Should Get A Bail Bond
Landing in jail is something that no one really plans for. Maybe there was an unknown warrant out for your arrest when you were pulled over for speeding. Or, you might have been busted for driving under the influence (DUI) at a time when you shouldn't have been behind the wheel. Nevertheless, you are now locked up and need to think fast to get out. Now is the time for you to get on the line with a bail bonds agent immediately.
3 Reasons To Invest In Cds
Most people want to grow their personal wealth and access more money. Financial tools are available to help meet these goals, but it can be difficult for consumers to determine which of these tools they should take advantage of. A Certificate of Deposit, or CD, can be a valuable tool when it comes to your future financial planning. 1. A CD is a Safe Investment Some investors believe that you have to take big risks to get big rewards.
3 Ways To Help Secure A Mortgage Loan For Your First Home
Buying your first home is one of life's most significant and important milestones. It's can also be a stressful and confusing time as you navigate your way around the world of mortgages and property law. For many people, securing a mortgage loan is the most daunting part of the whole process and the fear of not being approved for a loan can cause plenty of angst. Being well prepared is the best way to improve your chances when you're applying for a mortgage loan.
4 Things To Do Before Taking Out A Car Repair Loan
If your vehicle is in need of a repair but you don't have the money to pay for it outright, you may be considering the option of taking out a car repair loan. In general, a car repair loan can be a great option for financing the work you need done on your car so it's less of a financial burden. Before you take out a car repair loan, however, there are a few things you should do.
Should You Bail Out Your Drunk Brother-In-Law? Important Questions To Ask Before Deciding
A middle of the night phone call from the county jail is rarely a pleasant experience. This is especially true for those who have a brother-in-law or other extended family member who is frequently in trouble due to their uncontrolled consumption of alcoholic beverages. While your first response to such a call may be to agree to come down and bail them out, doing so without careful consideration - and maybe a few conditions - may not be the healthiest solution for this type of habitual offender, even when you love them.
Know The Differences Between Different Kinds Of Mortgages
If you know you need to secure financing to buy a home, you may not be aware of how many different financial products there are to pick from. Here is what you need to know about several types of mortgages. Fixed Rate Loans Many future homeowners are applying for mortgages that have a fixed rate for many reasons. Having a fixed rate can give a home buyer the predictability and security they need to help budget for a home over the next 15 or 30 years.
Surprising Mortgage Facts That You Should Know
If you are thinking about the possibility of buying a house for the first time, you may be wondering about the process of getting a mortgage and what a mortgage might entail. There are many facts about mortgages that you might not yet know as a first time home buyer. Get to know some of the most surprising mortgage facts out there. Then, you can be better prepared for the process of buying a house and dealing with a mortgage.
4 Basic Questions About Bail
If you are trying to get a friend or family member out of jail, you may need to quickly get up to speed about the basics of using bail. It's a way to pay cash in order to have someone released from jail before their court date, and the cash used to pay for bail is used as collateral. Here are some common questions you may have about bail. Is Bail Always Offered To Accused Criminals?
Buying Your First Home? Follow These Finance-Related Tips
Buying a home for the very first time can be a nerve-wracking experience. Having not gone through the process, everything is new and unexpected, especially when it comes to securing financing. Here are some things to know about getting a mortgage. Get A Mortgage Pre-Approval The first step of home financing is getting pre-approved for a loan. However, many people put off this step of the process because they have heard that pre-approval letters expire.
3 Crucial Tips To Consider For Retirees Thinking About A Reverse Mortgage
If you've reached the age of retirement and are still in need of money, you might consider a reverse mortgage. It essentially converts home equity into cash. Before committing to this type of deal, you'll want to remember these tips. See If You're Qualified Unfortunately, not everyone is qualified to take out a reverse mortgage. This financial agreement is strictly reserved for those who meet certain criteria. For example, you must be at least 62 years or older, have a considerable amount of equity in the home, and ensure the property is your primary residence.
What Are The Pros And Cons Of A Wholesale Mortgage Loan?
Most consumers assume that a mortgage loan is a mortgage loan no matter where you go to obtain it. However, there are basically two different types of mortgage loans: direct and wholesale. Direct mortgage loans come straight from a lender. For example, if you go to a bank to get a home loan, this is likely to be a direct loan. If you go to a broker to get a loan, this is going to be a wholesale loan.
3 Options For Your Old Jewelry
If your jewelry box is overflowing with pieces of old, unwanted, or broken jewelry, it is time to clean your jewelry box out. Don't throw your worn out pieces of jewelry in the trash; instead, explore three ways you can make your old jewelry work for you. 1. Sell Your Jewelry to a Diamond Broker If you have valuable jewelry that is in wearable condition, you can sell it and put money in your pocket.
3 Strategies Every Small Business Should Know
It's important that you have all your ducks in a row when you conduct business. This is especially critical if you are just getting your business off the ground. To be sure that you're really making the most out of your business, you'll want to have your finances in order, while also keeping every matter organized. To learn more about tackling all of the above, keep reading and apply these suggestions.
Two Times When A Variable-Rate Personal Loan Is A Good Idea
Many financial experts recommend against variable-rate loans because of the risk the interest rate will increase abruptly, leading to a corresponding increase in the monthly payment due. While this can be problematic in some situations, here are two times when getting a variable-rate loan is actually a good idea. You'll Pay the Loan Off Quickly Banks that provide variable-rate loans typically offer low starting interest percentages (or teaser rates) to entice people to apply for them.
What To Know When Buying A Car With Bad Credit
Buying a vehicle with bad credit can be an interesting experience. You want to get the best deal on the car, but your credit may prevent you from getting the best deal. There are many different reasons your credit can be a little low, and the lender is likely to take that into consideration, but the fact of the matter is your credit is low. With a low credit score, you can expect to go through a different process to buy a car than if you had a good credit score.
Three Mistakes To Avoid When Applying For A Home Loan
Purchasing your first house is exciting, but it also means you will be getting your first mortgage. You may feel secure in your credit history, income, and savings, but there are things that can go wrong if you aren't careful. Knowing the following mistakes can help you avoid them so you can successfully secure your home loan. #1: Waiting to check your credit Just because you know you have no late or missing payments doesn't mean your credit report doesn't show any.
Three Credit Situations That Mean You Should Wait Before Applying For A Mortgage
Of course you know that you shouldn't think about trying to buy a house if you're in a bad position financially, but what other credit factors can affect your ability to get a mortgage? Here are three issues that can affect your credit score and ability to get a mortgage even when your finances are going great. 1. Debt-free Believe it or not, lenders don't look on debt-free applicants as necessarily responsible.
How Your Employment Effects Your Ability To Secure A Mortgage
The idea of home ownership is a dream shared by many. To accomplish this goal, the average person spends a great deal of time focusing on improving their credit score and saving money. What a number of people don't do is think about their employment. Even if you have excellent credit and more than enough for a down payment and closing costs, your employment status can still have an effect on your ability to get approved for a home loan.
What To Do When The Car You Have A Title Loan Against Blows Its Engine
If you have a title loan against your car and it experiences engine failure, you have a couple of options to consider. Your choices will depend on whether or not you are able to repair the car's engine. Follow these tips for making choices about a car you have a title loan against that is sitting on the side of the road with a blown engine. Contacting The Title Loan Company Is Important
Ready To Purchase A New Home? 2 Steps You Need To Take To Make The Process Smoother
Whether you're an active-duty soldier, or a veteran who has left military service, you are entitled to use government lending programs to finance a home. According to statistics, there are about21 million VA loan funded homes in the US right now. If you haven't utilized your right to receive a VA loan, you should consider the option for your next home loan. Regardless of whether you choose a VA loan, or another federally funded loan program to purchase your next home, you need to know that there are some steps you can take to improve your chances of being approved for your loan.
Steps To Take When Bail Is Unaffordable
When bail is too high, there are several steps that you can take to reduce the burden. Here are some ways you can make bail even when the cost is unaffordable. Ask Friends and Family If you don't have many resources to your name, it's a good time to turn to family and friends for help. You may be able to gather financial support from several different people with family loans or donations.
Disability Income Can Qualify You For A Mortgage Loan
If disability benefits are your primary source of income, your income may be lower than what most lenders normally accept when borrowers apply for a mortgage. When it comes to getting a loan to buy a house, a low income can be a problem as lenders worry about the possibility that you will have to struggle to make the monthly loan payments. But even though getting approved for a home mortgage may not come as easily if you live on disability payments, a mortgage broker can give you more information about the availability of special loan programs for which you may qualify.
Tricks For Making An Installment Loan Work For You
When you get in a money crunch, taking out a loan can help you to get your financial situation back on track. One option to consider if you don't need a lot of money is an installment loan. As with any loan, there are risks associated with an installment loan. To avoid making your finances worse after taking on the burden of a loan, you need to make sure that you have a strategy for using your loan wisely.
How To Prepare Yourself When Applying For A Home Loan
If you are planning on purchasing a house soon, then you will of course want to take all the steps you can to make everything go as smoothly as possible. The first thing you want to do is make sure that you have a credit score that will even be considered for a home loan. If you are just starting out and don't have much credit, or you have a low credit score, then you want to do what you can to improve your score.
Having Trouble Paying Your Mortgage? Remember These Dos And Don'ts
When you closed on your current home, you never anticipated that you would have trouble making your mortgage payment down the road. However, life happens. Unexpected medical bills, a sudden job loss, or other large expenses can put you in a position where you're simply not able to afford your monthly mortgage payment. If you're currently facing this struggle, don't panic. Instead, keep these do's and don'ts in mind. They just might save your home.
Guidelines For Selling Gold And Silver Jewelry For The Most Cash
One easy way to raise some quick cash is to sell some of your unwanted silver and gold jewelry. If you have never liquidated any jewelry or precious metals before, then there are some important guidelines that you should follow to ensure that you get the best deal possible, such as: Consider the Sentiment of Jewelry Pieces Before you choose your jewelry pieces to sell, you should take some time to consider the sentimentality of each piece.
3 Tips That Will Help Self-Employed Individuals Get A Home Loan
Getting a home loan has become difficult for many people; for the self-employed it has become even more challenging. People who are self-employed run into more obstacles than someone who is a contracted employee with a company. This doesn't mean that you can't get a home loan; it simply means that you may have to jump through more hoops to get it. Here are some things that you can do to improve your chances of getting qualified.
When Should You Get A Pension Advance Loan?
When collection agencies are calling you on a daily basis, it may be tempting to pay them to avoid further hassle -- but these payments can leave you without the funds to pay your electric bill or put gas in your car. If you're cash-strapped, you may have already exhausted your short-term debt options, like payday loans or auto title loans. In other cases, you may be retired or unable to work, and can't qualify for any loans that require a regular non-Social Security income.
Pros And Cons About Hard Money Loans
Hard money loans are not for everyone, but there are many benefits that should be considered when looking for funding for a project. If you are unsure if a hard money loan is the right option for you, here are the pros and cons to consider. Advantages If you are looking for fast funding of your project, a hard money loan is a good option. The application period is typically shorter than a more traditional loan.
4 Advantages Of FHA Loans
There are several advantages of loans that the FHA (Federal Housing Administration) offers to potential borrowers. Though individuals looking for a home loan should always shop around for the best type of loan that suits their specific needs, there is much to recommend FHA loans to home buyers that may not qualify for more conventional loan terms. Take a look at four of the most notable advantages new home buyers have when taking on an FHA loan.
Who Is Eligible For A VA Home Loan?
Many veterans are able to use the benefits that they are awarded during their time of service in order to make their lives better after they are discharged. Those around them are often able to take advantage of these benefits. One huge benefit of the VA cash out refinance process is that it makes purchasing a house and getting rid of debt much easier. With this program, a veteran is able to take out a loan that is larger than a loan that he or she has already been awarded or get rid of a loan that is currently open on his or her account.
How Do You Get A Car Loan With Bad Credit?
Your current credit score is the key to being able to make major purchases, such as a car. Banks and other traditional lending companies are much more selective about who they extend credit to. If you have recently lost a job, gone through a foreclosure or bankruptcy, it will be difficult to find someone to finance a car for you. Even a few late or missed installment payments on your credit report will make it hard to secure financing.