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You've got a good job, steady income, pay your bills on time, yet can't even get financing for a candy bar. Many people find themselves in this very situation after unexpected unemployment, divorce, or bankruptcy. Maybe you haven't been able to establish a line of credit at all, good or bad. So how can you finance a new computer with bad credit?

One way to finance a computer would be to get a small personal loan from a bank or credit union. Personal loans are probably the easiest to secure, especially if you have some form of collateral. This of course is not going to be an option for everyone, but it's worth a shot and will be the cheapest way to get your computer financed with bad credit.

Financing a computer with bad credit through a rent to own store is something just about anyone with an income can do. Though you'll likely be able to get a computer this way, it isn't highly recommended since you could end up paying up to three times the retail value of a most likely used computer. Rent to own should be a last resort.

Put a computer on layaway at a retail outlet like Wall Mart. If you have a sizeable income, but just don't have good credit, this may be a viable option for you. The only draw back with putting a computer on layaway through a retail outlet is that it will be a shelf computer meaning "as is" and you'll need to pay in full in about 90 days.

In recent years there have been computer financing companies willing to take payments via check by phone provided you have a valid checking account. If you have poor credit and want to get guaranteed computer financing, and need to break up the payments, plus pay what the computer is worth, this is going to be a very good option for you.

Computer financing with bad credit isn't always easy, but it is possible. Ironically, you are likely going to pay slightly more for financing with bad credit than you would have if your credit was good. On the bright side, you may be able to boost your credit rating a little bit if you keep up on your computer payments.

Daymon Hoag is the founder of Cheapest Service where you can shop for Bad Credit Computers - Laptop - Desktop - Computer Financing

# posted by ujx @ 2:05 AM 0 comments

The following are some facts that you should know before you consider using a credit repair company. Of course you have seen those ads that say they can fix your credit for a low monthly fee. So, you probably are wondering whether it is wise to hire one of these companies. This is a hard question to answer. What I will try to do is provide some information so that you can make an informed decision.

The Federal Trade Commission states quite clearly that anything that a credit repair company does for you in a legal manner can be done by yourself for very little cost. In theory what the FTC says is true. The reality is that many of us do not have the time, patience or knowledge to do this work for themselves. It is no wonder that a credit repair company would be very appealing to us.

What it comes down to is that this is something that you have to decide for yourself. It is important to understand the positives and negatives of dealing with a credit repair company to improve your credit score.

The first thing to look for is references. Any reliable company, or individual for that matter, should be able to provide you with some solid references. This is important: when you have these references in hand you should call them. Without a doubt this is the number one consideration when hiring a professional.

As with anything in life, the best contacts are found by personal referrals. With this in mind, the first step is to ask friends, family or people at work if they know someone.

Something else to remember is that it important to have a contract. Your credit problems did not occur overnight. Because of this they will no go away overnight either. In this case a contract will protect you. It should be easy to understand. It should also spell out the actual services provided by the credit repair company.

You have to understand how these companies operate. They have upfront fees ranging from $49 to $99. After that you will probably pay monthly fees from $39 to $49. This time of arrangement has both advantages and disadvantages.

The advantage is that it affordable. One disadvantage is that there is no incentive to move quickly to correct your problem. You can easily see that the opposite is true. The longer they take to work on your problem the longer they get to collect their fees.

Sign up for two free gifts: A free ebook, "The Credit Secrets Mini-Book" and a free ecourse, "7 Things You Must Know About Your Credit" @ http://www.internet-marketing-dot-com.com/credit_repair/credit_repair_ecourse.html

George Burns is the co-publisher of Fixing Credit Score which be found at http://fixing-credit-score.blogspot.com/ a popular website that provides tips, advice and resources that include How To Fix Your Credit Score.

# posted by ujx @ 12:06 AM 0 comments