Being our launch year, 2017 has been a big year for Legit Lender. Legit Lender launched in May of this year with the mission of being a go-to source of information regarding credit repair and debt management. To operate financially in the modern economy, your credit is used all over the place. If you haven’t discovered that already, you will soon. We finance our houses, cars, vacations and even holiday shopping. However, while debt can be a useful tool, let it get out of control and it can ruin you financially. Likewise, poor credit can cost you big time in the long run by being denied loans when you need them and in higher interest rates when you are approved for loans. Therefore, it’s crucial to do everything you can to keep your debt in balance and to keep your credit in great shape.
When addressing debt and credit, we strive to set ourselves apart from other sites out there by recognizing that the ‘average Joe’ probably doesn’t have perfect credit, and that’s O.K. We’re not here to talk down to you, but rather to come alongside you as you work towards rebuilding your credit and a better debt management. We’re also committed to being completely honest and up-front with our readers. We look for the very best products to recommend for people in all situations. When we recommend a product, it isn’t because we are getting a kick-back from the company or because the post is sponsored.
Building Credit and Managing Debt
There are countless strategies to take control of your debt. We have already published a number of posts with tips and pointers on topics such as navigating bankruptcy, paying off debt, and managing debt after a divorce. These are strategies that you can start on regardless of your situation. Yes, sometimes your debt seems to big to tackle, but the first step is the most important.
Likewise, there are several strategies to work on your credit. We’ve outlined ways to build credit as a student, how to establish a credit history as an immigrant, and how to repair your credit after bankruptcy. As with debt, regardless of your situation, it’s important to recognize that there are always steps you can take to improve your credit. No matter how bad things seem, nothing is hopeless.
Secured Credit Cards
One of the most significant influences on your credit, and biggest sources of debt is credit cards. Because of this, we’ve spent a significant amount of time reviewing credit cards. For many people rebuilding credit, secured cards are a great way to develop some positive history, and we detail why. We’ve also published a list of low deposit secured credit cards. Because let’s be honest: when you’re rebuilding your credit, you probably don’t have a ton of money to tie up in a credit card deposit. We also have a number of more detailed reviews of popular credit cards, because not all credit cards are created equal!
Freelance Work That Works For You
While credit and debt is our main focus, however, they are not the only topic Legit Lender addresses. Legit Lender believes in a holistic approach to finances and recognizes that there are many other areas that affect your credit and debt. Because of this, we also have information and advice on topics ranging from finding freelance work to budgeting basics.
Freelance work in particular is relevant to credit and debt because freelancing can help bring in the little bit extra you need to pay your bills on time or to make those extra payments that make your debt a little more manageable. Freelancing can also help fill in the gaps when a job loss would otherwise derail your personal finances. However, there’s no one-size-fits-all freelance gig. Because of this we’ve published a number of articles on freelance work, including 10 Work-from-home Part-time Gigs Hiring Now, How to Maximize Your Earnings as a Freelancer, Managing a Side Hustle, Ridesharing Into Retirement with Uber or Lyft, and How to Find the Best Side Jobs on Craigslist.
For the most part, our focus on debt management and personal finance has been on the individual and personal level. However, Legit Lender also does address business lending. There’s a huge variety of business lenders out there. Different business lenders are better suited for different businesses and businesses in different stages. Some lenders are also simply better than others. We’ve compiled a review of several business lenders, weighing the pros and cons of each and evaluating who they are best suited for.
What’s Ahead For 2018
With an awesome 2017 in the rear-view mirror, Legit Lender is gearing up for an even better 2018. We’ll dive into topics including family finance, payday loans, credit disputes, tax write-offs, and so much more. So stay tuned and together we can help you whip your finances into shape!