When you have bad credit, it can feel like the world is ending. You can’t rent an apartment, get a cell phone contract, or even get approved for car financing. 

Managing your debt responsibly means keeping it at a manageable level and making sure that you have the funds to pay it off when it’s due.

When it comes to real estate, financing options can be quite limited for many buyers. If you’re trying to buy a property but cannot qualify for a traditional loan from a bank, you may want to consider getting a hard money loan from a private lender instead. 

When you’re applying for a loan, the lender will have you go through a credit analysis test. The test is designed to check if you are qualified to take on a loan and also assess your risk as a borrower. 

There are many ways to begin a career in financial analysis. Perhaps you studied economics or accounting in school, or maybe you have some business experience that makes you eligible to begin with a mid-level analyst position. 

Variable rate loans are a great choice if you’re buying a house and don’t know exactly how much the interest rate will go up.