Credit Card Application

Installment Loans for Bad Credit Borrowing Surges Into 2012

Loan Borrowing Surges Into 2012

Fort Lauderdale, FL (PRWEB) December 22, 2011

The leading online bad credit services comparison site ReallyBadCreditOffers.com is reporting a 40% end of 2011 demand increase from borrowers looking for access to emergency bad credit loan money at the best possible rates heading into 2012.

People that cannot qualify for loans from a bank or other conventional lender are turning to these offers, in greater numbers, as a source of cash during these tough economic times. “2012 shows no signs of any major improvement in the U.S. economy, so the trend will likely accelerate into 2012,” said loan researcher Ariel Pryor.

In 2012 many consumers will be facing severe economic challenges while bad credit scores will prevent their ability to borrow from traditional lenders. Consumers use these loans to pay off emergency bills, consolidate or eliminate high interest rate credit card balances, and in some cases, to prevent foreclosure from overdue mortgage bills.

Credit card rates for people with bad credit are expected to remain stable for the first six months of 2012, so debt consolidation loans offer an opportunity to eliminate credit card debts. Financial experts are reporting signs that rates will start to rise considerably towards the end of 2012.

Any rise in interest rates will severely affect consumers, especially those with bad credit, because these loans are commonly higher rate loans due to the fact that the lender takes on more risk. If second chance financing rates increase, it will put more stress on consumers who use the money from these loans for emergencies and to rebuild their finances.

“Responsibility when borrowing is vital as part of your financial strategy. These loans should be used as part of an overall plan to save you money and rebuild,” stated Pryor. ReallyBadCreditOffers.com connects the hard to qualify with debt consolidation loans, credit card loans and other lending needs, while providing all the information needed to improve the consumer’s credit rating and rebuild their financial reputation.

To date, only about 30% of people who apply for a mainstream loan have their loan applications accepted. This percentage is sure to drop as 2012 moves into its fall and winter months. “It is my firm belief, that consumers have a golden opportunity here to get out of debt while repairing their credit, locking in rates that seem destined to rise dramatically in the near future,” added Pryor.

Bad credit loan offers are available in many different forms to meet a consumer’s needs, including debt consolidation loans; refinancing loans, car financing, and instant loans for unexpected emergencies. Past credit history is not an issue and the application process is made user-friendly and fast. Consumers are provided recommended offers for comparison to find the best rates available for their needs.

About ReallyBadCreditOffers.com

A leading industry source bad credit services since 2005, ReallyBadCreditOffers.com continues works to make borrowing with bad credit easy, fast and hassle free. Providing the best in lending and credit repair for the consumer to compare to empower people who are difficult to qualify for traditional financing.

Contact:

Ariel Pryor, Financial Expert

http://www.reallybadcreditoffers.com

(520) 344-2001

###

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Workers redundancy fears escalate, says British Insurance

(PRWEB UK) 30 November 2011

The firm says 59% of workers are fearful of redundancy, up 7% from last year, and 8% higher than when research was first commissioned in May 2010.

Despite increasing nervousness around future earnings, fewer workers have plans in place to prevent debts escalating if their salary goes. In May 2010, one in five respondents had unemployment insurance, now only 14% do.

The remaining 86% plan to bridge any income gap using; savings, family, State benefits, credit cards, the Lottery or they don’t know what to do.

British Insurance Managing Director Nel Mooy, comments: “Although we’re told the UK is coming out of a recession, this confidence is clearly not shared by the majority of workers. And with economists predicting the economy will stagnate over 2012 or worse, suffer a deep recession if the Euro-Zone situation deteriorates, it’s advisable to have a plan to replace any future lost income without dipping into savings or falling into debt.”

Although only a small percentage of workers have Income Protection – an increasing number are buying cover online, following the Competition Commission’s recommendations to source policies independently from their credit arranger. Previously ranked fifth as a purchase option, internet providers are now second, alongside Independent Financial Advisers. Banks and mortgage lenders currently retain the top spot.

Nel concludes: “People are realising online firms offer more competitive premiums; however, I worry many only consider Payment Protection Insurance – also known as short-term Income Protection – once they’ve heard their job may be at risk. Most policies have an initial exclusion period of 120 days after their start date, which means if you’re unemployed within the first four months of taking out cover, you won’t be able to claim. So apply for cover whilst your job is secure.”

To find out more about short-term Income Protection visit http://www.britishinsurance.com

Ends

Note to Editors

Office for National Statistics – labour market estimates – June to August 2011 – 29.10m. 59% of 29.10m = 17.169m
** Survey undertaken by TNS Omnibus – 676 16-64 year-old full or part-time workers were questioned online from 6 – 10 October 2011.

Full survey results and data available upon request

British Insurance is a widely-recognised consumer champion and one of the UK’s leading independent providers of Payment Protection Insurance.

British Insurance has a Linked In profile at http://www.linkedin.com/company/british-insurance and can be followed on Twitter at Twitter: @britishins

British Insurance is a trading name of Towergate Underwriting Group Limited who are authorised and regulated by the Financial Services Authority.

###

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Unsecured Personal Loans For Bad Credit Very Popular Heading Into 2012

Unsecured Loan Money

Fort Lauderdale, FL (PRWEB) December 22, 2011

The leading bad credit services review site ReallyBadCreditOffers.com has announced strong demand for unsecured bad credit personal loans through 2011 heading into 2012. The popular online loan comparison site has a stated mission to help consumers get the money that they need for the as quickly and easily as possible, and to help people rebuild their finances after getting through the near term emergencies they face.

Unsecured personal loans are a unique financial vehicle that can put cash in the consumers pocket quickly, without requiring collateral for approval that people in financial distress do not always have readily available.

With an unsecured loan, an item of value, such as a car, a home, or deposit is put up as security for the loan, is not required for approval. Instead the borrower promises repayment backed by their reputation or credit score only. Even those with severely damaged credit scores can get a loan, but the higher risk generally translates into higher borrowing costs.

“Unsecured loan offers can be attractive for people looking to rebuild financially, with few assets to speak of, but are looking to borrow emergency loans for bad credit nonetheless.” said Ariel Pryor of ReallyBadCreditOffers.com. “When time is running out, like during the holiday season, these offers can help people bridge the gap, getting what you need to make it to their next pay period.”

Unsecured lending traditionally relies upon the borrowers credit scores for qualification, and since the credit crisis, banks have been less willing to extend credit to high risk borrowers. Even secured loans have become more difficult to finance as a result of the crisis, with bank uncertainty leaving many unable to achieve financing.

“Unsecured personal loans for bad credit can be a win-win, allowing borrowers easy access to money they otherwise could not get, and providing lenders a higher return on monies lent.” said Pryor.

The website provides a number of offer comparisons and resources designed for people with bad credit. Ranging from debt consolidation loan offers, credit cards, credit repair companies and bankruptcy services, ReallyBadCreditOffers.com provides visitors with recommended resources to help them get back on firm financial footing.

About ReallyBadCreditOffers.com

The leading online financial resource for people with bad credit has been comparing unsecured loans, both long and short term, car loans, credit repair services, auto lenders and more for consumers with bad credit since 2005. Stated mission: Everyone deserves a second chance and financial hardship does not have to be a way of life..

Contact:

Ariel Pryor, Financial Expert

http://www.reallybadcreditoffers.com

(520) 344-2001

###

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Dialaphone Urges Smartphone Users To Tighten Security And Back-up Their Data

(PRWEB UK) 30 November 2011

Many of Britain’s 11 million smartphone users are playing fast and loose with their work and private information, according to new research.

Over 40 per cent of the population never back up their device, risking the permanent loss of photos, videos, texts and work information.

Many are also storing sensitive financial information on their smartphones, with five per cent saving bank details there, four per cent with online banking logins, three per cent with credit card details and three per cent with banking PINs.

Jason Lloyd, from leading online smartphone retailer Dialaphone – which commissioned the research, said backing up a Smartphone at least monthly and making sure it is password protected are as vital as locking your front door at night.

He said: “People really need to get into good habits with smartphones.

“Losing your valuable handset is bad enough, but it can be particularly traumatic if your finances are also suddenly up for grabs and your cherished photos are gone forever.

“Backing up and securing the information on your smartphone has never been easier – for example those who have bought the new iPhone 4s from Apple, or who have updated their existing iPhone to the new operating system iOS5 only need to activate wireless syncing and their phone does the rest every time it is within wifi range of your computer and plugged into power. So just a few moments taken now can save a lot of anguish in the future.”

According to Dial-a-Phone’s research, six per cent of smartphone users were most concerned about others seeing their racy photos or videos if their phone was lost or stolen.

Londoners were doubly worried, with 12 per cent (or around one in eight) fearing intimate videos or photos being seen by others. This contrasted greatly with those in North West England, where only two per cent had raunchy photos or videos to be worried about.

A consistent one in six people across the nation were most concerned about others reading their intimate texts.

Of those who do back up their smartphone, two in three do so on their computers, while a quarter use a memory card.

“A smartphone isn’t the best place to permanently keep your racy photos and videos,” said Mr Lloyd.

“Transferring them to your computer and then deleting them off your smartphone is a wise course of action.”

Almost 40 per cent of smartphone users would be bothered about the loss of sentimental photos or videos and a similar number of people would worry about others having access to their contacts.

A quarter of those who do not back up their mobile said they didn’t know how to and one in five didn’t know they could, while 19 per cent said they never seem to get around to it and 18 per cent ‘can’t be bothered’.

Mr Lloyd said: “Backing up your smartphone is simple and essential, and the latest phones and operating systems have ensured this process is simple, secure and straightforward.

“In the time it takes you to imagine exactly what you could lose, start to panic and break into a sweat, you could have backed up your phone.”

ENDS

Back-up and security TIPS for Smartphone users:

iPhone users

Backing up:

Connect your iPhone to your computer, download and install the latest operating system (iOS 5*). While the phone is linked to your computer, open itunes and click onto your device to show its settings. On the main summary page, in the options section, check that the boxes for Open iTunes when this iPhone is connected and Sync with this iPhone over wifi are ticked (if not, tick them then click apply). Your iPhone will then sync automatically when it is plugged into power and within wifi range of your computer.

Security:

On your iPhone go to settings, then general. Scroll down to and select passcode lock, then select turn passcode on, enter a passcode, then re-enter it and your phone is now code protected. You can also select whether you have a simple four-digit passcode or a more complicated and potentially more secure code by switching the ‘simple passcode’ bar on and off. For even more safety you can select the option for the phone to erase all its data if an incorrect passcode is entered 10 times. Similar to Windows phone apple in there update to ios5 offer use of iCloud which gives ‘find my phone’ and ‘remote wipe’ features if handset is stolen.

Android users

Backing up:

Go to relevant manufacturers site (Sony/Samsung/HTC etc) Download the Pc companion software. Open the software connect phone through Micro USB lead. Select Back up Handset.

Security:

Press the options toggle on the home screen, Select settings. Scroll to Location and Security and select. Select Set-up Screen lock this will give the user the option to set up a pattern, pin or password. With the New Galaxy Nexus the new OS 4.0 Gives the user the extra unique ability to unlock the phone through face recognition and the forward facing camera.

BlackBerry users

Backing up:

The handset with out issue will be able to save your email accounts you register on the blackberry servers so anytime you need you resign in and email accounts will be pulled through to new phone. BBM contacts can be backed up to an email account or micro SD card in the handset. Contacts are synced through windows contacts or backed up to the sim card. (each of these has to done individually)

Security:

Select Blackberry key and open the Tray. Select Options then security. You are then able to set up a password to access the handset. Input the password wrong ten times and the handset will wipe all data from the phone.

Windows Phone users

Backing up:

Go to the Microsoft website and download the Zune Software. Once installed will give the user the back-up option every time handset is connected.

Security:

Select the right facing arrow on the home screen. Select Lockscreen, you will have option to setup a 4 digit pin number. The Zune software offers a find my phone which will locate the last place your handset had signal on Google maps to you can potentially reclaim the phone. Also offers a remote wipe of the handset if stolen.

NOTES TO EDITORS:

About Dial-a-Phone

Dial-a-Phone is an online-only retailer of mobile phones, especially smart phones, to the public. The company aims to be the UK’s No 1 direct supplier of mobile phones through offering customers the very best in mobile phone deals and value for money.

Dial-a-Phone was established in 1995 and was acquired by the 4u Group in 2008. Due to the fact it is ‘powered by 4u Group’ the company is able to offer customers convenience and great savings along with excellent customer service, both over the phone and through its website.

The company works with all the major networks and phone manufacturers and offer a huge range of the latest contract and pay-as-you-go mobile phones.

Dialaphone’s website, which is found at http://www.dialaphone.co.uk is now one of the most visited mobile phone websites in the country, and the brand has supplied mobile phones on monthly contracts to over three million customers, and since the website launched in 2000, over one million customers have placed their order online.

About the Research

Opinium Research surveyed 1,011 Smartphone users from 10 to 12 August 2011

###

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Question by blogger3133: How can an ID thief use my torn up credit card application?
If the ID thief does not have my Social Security, how tin he submit a credit card application on my behalf? If they have my SS#, they can go online and apply for a credit card anyway. Am I missing something?

Best answer:

Answer by Tigs
They had to get your social security number from some where or the credit card company screwed up and it’s worth looking into.

Add your own answer in the comments!