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{"id":4024,"date":"2019-10-01T15:54:01","date_gmt":"2019-10-01T15:54:01","guid":{"rendered":"http:\/\/happypinaymommy.com\/?p=4024"},"modified":"2019-10-11T08:54:56","modified_gmt":"2019-10-11T08:54:56","slug":"learn-about-your-loans-and-credit-scores","status":"publish","type":"post","link":"https:\/\/happypinaymommy.com\/2019\/10\/01\/learn-about-your-loans-and-credit-scores\/","title":{"rendered":"Learn about\u00a0Your Loans (and credit scores)"},"content":{"rendered":"
\n \n \"Fb-Button\"\n <\/a>\n <\/div>
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<\/p>\n

In a world that revolves around money, it’s alarming to think about how unprepared you can be when it comes to making real-life decisions with limited information. Instead of having to take corrective actions<\/a> to repair a less-than-desirable credit score or having to learn one of life\u2019s difficult lessons, its best to try to educate yourself the best you can before any damage is done.<\/div>\n
A credit score is something that will follow you your whole life. Many potentially life-changing decisions will be based on how good your credit is. It stands to reason, then, having the best credit score<\/a> you can surely be an asset worth striving to maintain. One key function of a lender referencing your credit score is to decide what interest rates to offer you. The better your score, the more responsible you are with meeting your financial obligations and therefore, the lower the interest rate.<\/div>\n
\n

The Basics<\/h1>\n<\/div>\n
So what is an installment loan and why are they important? As with most things in life, finding the perfect mix or balance is key; your credit is no different. To have an optimal credit score, you need to have a mix of both revolving credit and installment loans. A revolving line of credit is one that gives you a set limit and you use what you need when you need it; for example, a visa card or a department store credit card. On the other hand, an installment loan<\/a> is a line of credit, for a specific dollar amount, that you make monthly payments, for a fixed amount of time, until you pay it off. Examples of installment loans are mortgages or car loans.<\/div>\n
One of the benefits of having an installment loan<\/a> is you know exactly how much your monthly payment, or installment, will be; it doesn\u2019t change. It is easier to figure a set dollar amount into your budget when considering the repayment, so the liability involved in having the loan is never unexpected. Installment loans also offer you a certain peace of mind because you know exactly when your balance will be paid in full and your debt resolved. If you find yourself in need of such a loan, companies like Western Shamrock Corporation,<\/a> http:\/\/westernshamrock.com\/<\/a>, can make sure you get the money that you need to finance your next purchase.<\/div>\n
\n

Important Details<\/h2>\n<\/div>\n
Now that you know the basics about what an installment loan is and how it differs from other types of credit, make sure to utilize the potential benefits of having those types of loans.<\/div>\n
By making your agreed-upon payments in a timely manner, not only will you satisfy the terms of your loan, but you have the opportunity to improve your credit score. A credit score is used for many aspects of everyday life whether you realize it or not. If you find yourself wanting to rent an apartment, part of the application process is checking how creditworthy you are.<\/div>\n
The interest rates, which are the costs associated with borrowing money or using credit, will be lower for those who have better credit scores than those who have a spotty credit history. Insurance companies are known to check credit scores of potential customers because they believe people who have better credit are less likely to file insurance claims.<\/div>\n
When you find yourself in need of taking out loans and figuring your new obligation into your budget, it makes sense that you want to have the most flattering interest rates your credit will afford you. The top and the bottom if it is, good credit literally makes cents<\/div>\n","protected":false},"excerpt":{"rendered":"

In a world that revolves around money, it’s alarming to think about how unprepared you can be when it comes to making real-life decisions with limited information. Instead of having to take corrective actions to repair a less-than-desirable credit score or having to learn one of life\u2019s difficult lessons, its best to try to educate…
Continue reading »<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"yoast_head":"\nLearn about\u00a0Your Loans (and credit scores) - Happy Pinay Mommy<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/happypinaymommy.com\/2019\/10\/01\/learn-about-your-loans-and-credit-scores\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Learn about\u00a0Your Loans (and credit scores) - Happy Pinay Mommy\" \/>\n<meta property=\"og:description\" content=\"In a world that revolves around money, it’s alarming to think about how unprepared you can be when it comes to making real-life decisions with limited information. 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