 Where can I get a "real" free credit report on the web? Anyone know a ..? |
real site that does this without having to sing up for anything or get spammed?
thanx
Additional Details
Oh I forgot to add this I am from Canada and freecreditreport site ... |
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Clo | Is it a good idea to borrow money? |
Is it a good Idea to borrow money of your bank, and your friends or family? |
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northwoodsguymn
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It depends on your purpose. I have borrowed great sums of money, and owe some sums of money. Most I have payed back, much of it was borrowed for purposes of making an investment that proved to be profitable enough to pay back the loan. Some of it was borrowed for useless frivolity, that ended up costing me far more than the original price tag.
My advice: If you can make it without borrowing money, you are often better off. I know many people who don't borrow any money, and who pay cash for everything they buy. In some ways, they have it better. On the other hand, they have to defer their wants until they have the cash to pay for them.
The best thing to do is if you have an investment idea that is likely to appreciate, then you might consider borrowing money. MIGHT. But if you are talking about buying a car, a toy, a vacation, or something else that is a "want" rather than a "need" or a viable "investment" I'd think twice.
The hardest thing we face is trying to sort out those "wants" from the "needs." It's very easy to convince yourself that a "want" is a "need."
Good luck. |
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bugaboo
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Yes it is. Not so much off friends + family though. It causes rifts. |
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Doc Phil
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Well the best intention sometimes have bad results. Do you want to sit across from Aunt Sara at Christmas dinner when you couldn't pay her back the money you borrowed. It is never a good irea to borrow from family or friends |
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bert
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No, it isn't a good idea,you have to pay back what you borrow, don't get into debt unless you really have to ! |
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dels replies
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Generally no. It is better to not borrow at all. It is far better to live within your means and to save up for things. House and car purchases are probably the most likely reasons to have loans . If you can maintain a credit balance in your bank your whole life will be much happier and less stressful. |
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Howard A
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Why not choose any private lenders instead of taking a money from friends & family. Bank is also a good option. However if you still want to choose private lenders then go here www.loans11.co.uk |
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heybulldog
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No. If you wanna win with money dont borrow. If you dont have the money to pay for it you dont need it. My grandpa never borrowed a dime. Saved up and payed for things. Just think of the money you would have if you didnt borrow money and have to make payments every month.
The average househould income is around 45k a yr. About $3000.00 a month take home pay. If you didnt have and payments like credit card or car payments. Think of how fast you could save up enough to get a car with cash. |
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Palomino
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It depends on whether you can afford to pay it back and whether you really need to.
If borrowing from Friends or Family, then make sure both sides understand what the terms are. Otherwise you could have arguments that you don't need.
Most people who borrow money do so because they want something that they otherwise couldn't have. Where people come unstuck is when the item they wanted isn't worth what they borrowed (happens quite often with cars) or they can't afford the repayments.
It may be cheaper to borrow from friends or family. |
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mjammy1978
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it depends on what its for |
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dailey
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An honest answer to this question is: think about why u need the money, is it for leisure or is it for important this such as keeping a roof over your head, or paying the bills. If your answer is for a holiday or a new car, my advice is no borrowing money is not a good idea, borrowing money leaves you in debt which could take years to pay back, and in this time you could have saved up for luxarys such as your holiday. However if you have money problmes which could leave you homeless, or means your familey are going suffer, then go for it borrow the money, but only borrow the amount you need dont borrow money you dont need, keeping your self an your familey safe and secure means much more than geeting in to debt, i hope i have helped answer your question. |
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Al Mac Wheel
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Let's suppose you get a bank loan that is to be paid back in certain installments, and you pay it off faster than indicated. If it is a great bank, they will cause you to get a great credit rating, then you will be buried in places trying to sell you credit cards. Is that what you want?
If you have a loan with friends or family, you may get into an arguement where they remember different from you what the terms are of the interest, rate of pay back, etc. then you have to decide what is most important ... lose the friendship or lose the money. |
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Gato
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It is a good idea if you can re-pay it...don't get in over your head if you can help it... |
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