Below are companies our independent experts recommend. We have reviewed hundreds of companies to find these few. If you are looking for the best rate, we recommend filling in rate request forms for all of the following companies. All are NO obligation as always.

Lower My Bills

Easily the best place online to get free quotes for home loans, refinancing, home equity and debt consolidation. High customer satisfaction.

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iHome Mortgages

The fastest free rate quote we've ever seen! A simple, firendly one page form lets you request a rate quote for a refinance, home improvement, debt consolidation or mortgage. You choose wether you want to be contacted.

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Mortgage-Healthcare-Financial Planning

Get immediate quotes from the nations leading lenders. MHFP tends to offer some of lowest rates available that we have found.

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Free Credit Report

Knowing your credit score is important when applying for loans, credit cards, etc. With it you'll be armed with information that may help you get a better rate as well as contest why you may have been turned down. We applaud iCreditReports for offering a free credit report and score to our visitors. Contrary to belief, checking your own credit doesn't hurt a thing!

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ABOUT DEBT

It is easy to get into debt with all of the tempting things out there to spend your money on. However, getting out of debt is becoming easier with better financial planning and knowledge and debt consolidation companies such as those recommended on the left of this page. Such companies will come up with a custom solution for you to get out of debt. For example: you have three credit cards with rates of 14%, 9% and 21% respectively. A debt consolidation company may give you a check to pay off the credit cards freeing up your credit line and allowing you to pay only one company- the debt consolidation company a lower rate than you were previously paying, say 7%.

DEFINITIONS

APR
Annual Percentage Rate. A way of expressing the cost of credit on a loan. Under federal law, all consumer loans must disclose the Annual Percentage Rate.

Finance Charge
The dollar amount you pay to use credit. Besides interest costs, it may include other charges associated with transactions such as cash advance fees.

Grace Period
A time, about 25 days, during which you can pay your credit card bill without paying a finance charge. Under almost all credit card plans, the grace period only applies if you pay your balance in full each month. Also, the grace period does not apply to cash advances.

Annual Fee
A flat, yearly charge similar to a membership fee.

Interest Rate
Interest rates on credit card plans change over time. Some are explicitly tied to changes in the prime rate or the Treasury Bill rate and are called variable rates. Others are not and are called fixed rate plans.

TODAY'S HOT TIP

Improving Your Credit

-Get your Credit Score so lenders can't lie to you about your score.

-Close old accounts, they are excess luggage dragging down your credit score.

-Remove erroneous previous addresses and other errors off your credit report.

-Try to get any "Charge Offs" removed by negotiating with your creditors.

-Wait until your score goes up to 680 if you're applying for a prime car loan.

-Keep you credit information secure to prevent identity theft.

-Pay your account balances as low as you can and try to consolidate them to one low rate card.

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