Author Profile: Amanda

Amanda

Amanda, Guest Blogger for ReadyForZero. Amanda Grossman is a professional freelance writer who specializes in personal finance topics She also runs FrugalConfessions.com.

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What Are the Best Peer to Peer Lenders?

We’ve talked previously about peer-to-peer loans and reviewed Lending Club (one of the most popular peer-to-peer lenders) in detail, but today we wanted to take a look at the best options for someone who wants to take out a peer-to-peer loan (for debt consolidation). There are only a limited number of reputable debt consolidation companies, which is why you want…

Lending Club Vs. Prosper: Which is Best for Debt Consolidation?

When someone talks about Peer-to-Peer (P2P) lending in the United States, they often are referring to one of two companies dominating the industry: Lending Club or Prosper. Both have been officially registered with the Securities Exchange Commission, and both have loaned over $1 billion each to borrowers around the country. Impressive, right? But even if you’ve decided that it makes sense…

Common Questions: Can I Transfer a Car Loan?

Oftentimes on this blog we get questions about how to get out of a car loan. This kind of question can come from many types of situations. Sometimes people have bitten off more than they can chew with their monthly car payments. Sometimes people lose their job and want to transfer the car loan to a potential buyer. And sometimes…

A Review of Lending Club for Borrowers

When you have debt, there are two things that have a big impact on your repayment plan: your interest rate and your monthly payment. One common way that people change up their interest rates and/or monthly payments is by consolidating their debt. And one of the most common companies for doing that (which we’ve written about before) is called Lending…

What Is a Peer-to-Peer Loan?

You may have heard of peer-to-peer lending as an alternative way to get a debt consolidation loan or other type of loan. But you might not know exactly what it is. And in fact, most people don’t. Peer-to-peer lending is a relatively recent development. It’s a new sector of the lending industry that has been growing pretty quickly and whose…

What Are the Late Fees for Capital One Credit Cards?

Late fees for charges on your credit card sting! Not only are you charged interest on your credit card balance because you did not pay it off within the grace period, but you also have to pay a hefty penalty on top of it. Obviously the easiest way to avoid a late fee is to pay your Capital One credit…

3 Tips For Dealing With Cognitive Overload

Have you ever watched the show Hoarders? Maybe you haven’t had the desire to actually sit through a cringe-worthy episode, but your television screen may have been momentarily littered with someone else’s belongings while channel surfing. The thing is, these people’s homes are so littered with stuff that even the smallest and most basic tasks seem next to impossible. Going…

How Long Does a Bad Mark Stay On Your Credit Report?

Did you cringe the last time you downloaded your free annual credit reports? Or perhaps you don’t even want to look at them because you don’t want to be reminded of the financial and personal messes that have shown up? There’s hope for you yet, because bad marks on your credit report do not last forever. While the average length…

What Is a Good Credit Score to Buy a Car?

You’ve likely heard the doom-and-gloom talk about how lenders have put loans on a much tighter leash in our post-recession economy. And it’s true; lenders are no longer giving out a loan to any old person with a government-issued ID and a smile. So what does this mean for you if you are in the car-buying market? How will you…