Cost and quality are the many concerns of any jewelry buyer. Very often we don’t want to lose out on quality just to save a few dollars. Unless you have been saving money for a long time, loans are a great way to finance large jewelry purchases. Today, many jewelry stores offer financing and unsecured loans on site, and many banks also are currently offering lines of credit specifically geared towards diamond purchases. Here you will find out what kinds of unsecured loans shall be available to you in the jewelry business.

The first kind of unsecured loan is a revolving account and it works in a fashion that is very similar to a credit card. You will probably get a card that has the store logo and information on it with your account number. You will be able to make minimum monthly payments against the balance of the cost of the purchase over a specified time period. Generally this is around 36 months or 3 years. You may have to put a minimum down payment on the jewelry and you can expect this to be around 10$ of the total cost of the purchase. Put as much down as you can upfront, this will decrease your overall balance from the get go. Here your monthly payments will depend on the amount that is still pending, and how much you put down. Good qualifiers for this kind of loan would be good credit history and limited cash flow. If you think your history may prevent you, you might have to get a co-signer.

Another kind of unsecured credit from a jewelry store is known as a 90 day account. In this option, you pay your balance in full through three equally monthly payments without any interest. A larger down payment might be required, around 20-30% for your first purchase in store. If you establish a good credit history with the store, you may be able to reduce the down payment for future purchases.

Another kind of unsecured loan occurs when a jewelry store partners with a bank to finance your jewelry. This will probably be your best alternative, if your credit history can support it. With this type of unsecured loan, you are going to be getting bank rates and bank policies, instead of retail interest rates which are always much higher. This type of loan will offer better rates, probably no money down or annual fee, and no-prepayment penalties. Further, this line of credit can be reused as you pay it down and you could even opt for a longer term of 5 years.

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A bad credit history is like having contracted an infectious disease. At least this is what most lenders perceive. Any requests for personal loans by people with a bad credit history are generally declined. They are charged an extravagantly high rate of interest, if advanced personal loans.

What these lenders fail to recognize is that the people who are currently rated as a bad credit case were sometimes having a good credit history. Some acts of the past, which were sometimes inevitable, became the reason for theirs being tarnished with bad credit.

It will be illogical to punish the people for acts of the past. Besides there are few means to guarantee that a person otherwise rated as a perfect credit case, may default on the loan.

Lenders have slowly started accepting the fact. The growing number of people falling in the trap of bad credit has brought home the fact that they cannot do without doing business with these people.

Besides opening practically every loan for people with bad credit, more and more loan products have come up to cater to the specialized group. There are similar options for the people with bad credit, as for the people with a good or average credit.

Bad credit personal loans are used for a variety of purposes like buying a car or going on a holiday. They are also widely used in debt consolidation.

Bad credit becomes irrelevant if the person has and is ready to keep some asset as collateral. The main idea behind the refusal to the people with bad credit is that they fear that the default will be repeated. With a collateral to back the personal loan, the lender is assured that the loan would not be defaulted. The borrower knows that he will have to lose the asset, generally home, if he defaults on the loan.

The requirement of collateral can be done away with in case of an unsecured personal loan. Lenders rarely offer such loans. A good credit history is a

pre-requisite in such loans. But, there are always some lenders who take consideration of your case. Lenders accept borrowers with a bad credit history because of inevitable reasons.

Bad credit personal loans normally carry a higher rate of interest. This is because of the higher risk potential in such loans. One may also be overcharged on this account. The borrowers are asked to pay a hefty charge and have to face some inflexible terms of payment.

Nevertheless, there are lenders who charge reasonably lower rates of interest. Taking a loan is not a trivial matter. It puts an important asset to stake. It also affects the financial condition of the borrower. This makes a proper search for the loan a priority. Gone are the days when searching the loan market would have raised hackles of people. Today searching has become much simpler, thanks to the power of information technology.

The selection of the most appropriate lender is not that easy a task. Though made simpler through information technology, ones mental faculties are the best resort in the selection process. Lenders generally promise many features along with the loan. Borrowers take this bait and fall in the trap. Failing to maintain an optimum balance between an immediate comfort and a future comfort also leads to this trap.

Deciding the monthly repayments and the number of installments further strain your mental faculties. An expert advice from knowledgeable people will help in this decision. Being aware of ones financial condition, the borrower can decide the various details of the loan in a much better manner. Thus, the final decision is reserved with the borrower himself.

A bad credit personal loan has a positive impact on ones credit history, provided the repayments to the loan are made regularly.

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1. Deleting Errors in 48 Hours

This is the absolute fastest way to correct errors on your credit

report and raise your credit score. However, it can only be done

through a mortgage company or a bank. If you apply for a home

loan and find errors on your credit report, request the loan

officer to conduct a Rapid Rescore. But don’t mistake it for the

credit clinic tactic of multiple dispute letters.

The Rapid Rescore strategy requires proper paperwork. You need

proof that the item is incorrect. It must come from the creditor

directly. For example, a letter stating the account is not your

account, a letter stating the account was paid satisfactorily,

a release of lien, a satisfaction of judgment, a bankruptcy

discharge, a letter for deletion of collection account or any

relevant evidence.

This is the same documentation a bank or mortgage company would

require for the credit accounts anyways. The difference is, now

you can improve your credit score and receive a lower interest

rate. The results are not guaranteed and will run you about $50

per account.

2. Deleting Negative Credit

This is the infamous area where you’ve heard of all the scams.

Credit repair clinics charge “an arm and a leg” and promise a

clean credit report. Sometimes even a new credit profile! People

spending hundreds, or even thousands, of dollars for something

they can do themselves.

Removing errors is simple. Deleting negative credit that is

accurate requires advanced methods. But that is not the scope

of this report. So I’ll focus on the deleting the negative

errors.

Credit report errors easily disappear by using a simple dispute

letter. If you have the paperwork proving the error as mentioned

above in Rapid Rescore, send copies of that along with the

dispute letter. This will make the credit bureau’s job easier and

you will get faster results.

If you don’t have the documentation to prove the error(s), send

the dispute letter anyway. According to federal law, the credit

bureau’s have a “reasonable time” to validate your claim. They

will contact the creditor for verification of your dispute. Then

the account will be reported accurately – or deleted. It has been

generally accepted the “reasonable time” to complete this task is

30 days.

If you’re not the do-it-yourself kind of person. Or don’t have

the time. You could hire someone who is very economical.

3. PiggyBack Someone’s Credit

This is a fast and great little credit score booster. But it

requires a very trusting relationship. Simply put, someone else

adds you to their credit account. For example, when applying for

a credit card, you may have seen the section to add a card holder.

If your trusting person adds you, their payment history is now

reported on your credit report too. If they have perfect credit,

now you have a perfect account.

To make this more effective, use an aged account. Imagine if your

trusted person has a 10 year old credit card account with a

perfect payment history and a balance of only 50% of the credit

limit. Wouldn’t you love to have this on your credit report? The

easy part is your trusted person just calls the credit card

company and requests a form to add a cardholder. Once completed

and activated, their entire account history and future is now

firmly planted on your account. Imagine if you secured 3-5 of

these accounts – especially installment accounts. Your credit

score could sky-rocket!

The challenging part? Finding the trusted person. Since you already

have a low credit score and bad credit, how eager will someone be

to make you a cardholder? Even your parents don’t want you to

damage their credit. But, no one says you need to possess the card!

In other words, your trusted person could add you as a card holder

and never give you the card or PIN or any information. Since the

bills and all account information is still mailed to the trusted

person’s address, you won’t know anything about the account. This

scenario could land you many trusted persons. And you still benefit

with a higher credit score.

4. Playing Round Robin

This strategy is one of the oldest credit building techniques

around. It used to be accomplished with secured savings accounts.

But now, it’s much easier with secured credit cards. In fact,

I’ve used this method myself.

Here’s how it works: Take ,000 (or what you can afford) and get

a secured credit card. Once received, get a cash advance of 70%

of your credit limit. Get a second secured credit card. Once

received, get a cash advance of 70% of your credit limit. Get a

third secured credit card. Once received, get a cash advance of

70% of your credit limit.

Open a new checking account with the final cash advance. Use this

account only for making payments on your three new credit cards.

If you make your payments on time every month, your credit score

will increase because you now have three new perfect payment

credit cards. (Initially, your credit score might drop a few

points due to the rapid, multiple accounts being opened. However,

be patient because within 4 months of no new accounts or any

delinquencies of any account, you will see your credit score

increase. Mine increased 60 points in 60 days!!)

5. Pay on Time

This one is quite obvious. But after 12.5 years in the mortgage

business, I discovered it still needs repeating. Your creditors

were gracious enough to loan you money. Now pay your damn bills!

If you don’t, your credit score decreases. EVEN IF ONLY 30 DAYS

LATE!

That’s right folks. For some reason people think, “I’m only a

few weeks late. What’s the big deal?” Well, for the loan company,

if you pay late but consistent, they make a lot more money with

late fees and more interest (if a simple interest loan). For you,

your credit score is damaged. If you think long-term and credit

score, I’m certain you would not have a cavalier attitude.

6. Pay Down Debts

This seems like an obvious method, doesn’t it? But it is not as

transparent as you might think. Remember, we’re playing with

high-level statistics and probabilities which evaluates and

forecasts trends in your behavior. Here’s what you do…

Never pay off your revolving debt in it’s entirety! Isn’t that a

surprise? Think about it. Your credit score is a reflection of

your ability to manage your credit. Paying off your debt is not

managing your debt. If you have a zero balance, how can you manage

it? You don’t. It no longer exists. And you cannot manage what

does not exist, right? Therefore, in terms of credit score, you

have demonstrated your ability to swiftly pay off accounts to

avoid managing them. Thus, slightly decreasing your credit score.

One exception, of course, is if you’re over extended to begin

with. Pay off what’s necessary to make your credit profile look

great. Then manage the remaining credit.

7. Don’t Close Accounts

Even if you pay off revolving debts, do not close the account.

The longer an account is open with no negative reports, the

better it reflects in your overall credit score. This is due to

the weighted-average in the credit score formula. Many credit

experts suggest a balance of 30% of your credit limit. That’s

ideal. But you can go as high as 70% and still maintain a

healthy credit score.

8. No New Credit

You must be vigilant in your credit behavior if you want the best

credit score. Therefore, do not get any new credit unless it is

absolutely necessary. Each time you apply for credit, an inquiry

is added to your report. This usually drops your credit score

slightly. When you have fresh credit, there is no track record

how you will manage (or pay) this account. Therefore, it’s a

higher risk which results in a minor drop in your credit score.

Remember, your credit score is about risk assessment.

Here’s what you do: obtain credit for your housing, transportation,

college or continued education and 3-5 credit cards. That’s really

all you need for personal credit. If you want more credit, request

a credit limit increase on your current cards rather than apply

for new ones.

9. Maintain A Mix of Credit Types

If you show you can handle different types of credit at the same

time, you are rewarded with a great credit score. In other words,

get installment loans like vehicle, personal loan or mortgage.

Get revolving credit like credit cards: Visa, Mastercard, Sears,

Sunoco Gas, Costco. By mixing it up, you demonstrate you can

manage your credit because you will have short term and long term

credit with a fixed payment. As well as a “variable” monthly

payment on your credit cards.

Keep these accounts open with a balance of 70% or less and paid

on time and you will witness your credit score climb to great

heights.

10. Don’t File Bankruptcy or Foreclosure

Here’s the most obvious advice: Don’t file for bankruptcy or

foreclosure. These stay on your credit report for 10 years and

always decrease your credit score. The older the bankruptcy or

foreclosure account becomes, coupled with re-built credit

history, the less of an impact they play on your credit score.

Contrary to popular beliefs, you can legally delete a bankruptcy

and foreclosure. It’s not easy. But it’s possible. See the

advanced methods for that solution.

To quickly rebuild your credit history after a bankruptcy or

foreclosure, use the Round Robin strategy above and get secured

credit cards. Now you can even get a car loan or mortgage right

after bankruptcy.

© 2004 David Czach.

——– Editor’s Note ———-

Dave Czach has 12 years experience in the mortgage business and

a Bachelor’s Degree in Real Estate. He can be reached at

http://myLoanHero.com/go.cgi/daveczach.

This article may be reprinted without compensation provided

there are no changes whatsoever to the article, the copyright

notice and the complete Editor’s Note. Any reprinting or

duplication without these conditions is copyright infringement.

——– Editor’s Note ———-

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