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Credit Cadabra Has The Vaccine for The Bad Credit Pandemic By Using Credit Repair’s Magic Word



I have had managed my credit for over 20 years and I am sick of the credit repair pandemic.

After being identified as the “best credit repair company in Tennessee” Credit Cadabra began a

I have had managed my credit for over 20 years and I am sick of the credit repair pandemic After being identified as the “best credit repair company in Tennessee” Credit Cadabra began a mission to provide the fastest and most affordable credit repair to the rest of the nation.

Maintaining good credit is not always easy and with COVID-19 adding additional problems to our finances credit scores are reaching an all-time low. Credit Cadabra’s goal is to fight bad credit with the most powerful tool a credit repair company should use and their magic word, transparency. Majority of the credit repair companies that exist aid in spreading the bad credit pandemic. They do this by hiding fees, refusing to provide dispute details, charge clients for months to years, and more tricky tactics prevent their customers from getting the changes they need and most importantly when they needed them.

Credit Cadabra has been renowned for their innovative fourteen to thirty-day credit repair process, they have earned the most reviews out of any credit repair company in Tennessee within four months and they think their process will continue to gain the hearts of millions. Financial advising of any sort isn’t what you’d call exciting but Credit Cadabra wants to change the status-quo of what a financial institution is and what it should provide. Communication and relationships are focuses that Credit Cadabra believes other companies are overlooking.

Because of this, they offer 24-hour call, email, text, and social media support for anyone that would need credit repair at any time. Sounding like magic yet? Hold on, it gets harrier than Houdini from here. In addition to always being available, Credit Cadabra is providing what consumers want by removing the standard restrictions credit repair companies often have. There are no mandatory start-up fees, limits on the number of derogatory remarks you can dispute at once, or pricing that fluctuates depending on the type of negatives you have.

Credit Cadabra is offering a one shoe fits all service that you have to see to believe, they are allowing clients to get all of their bad accounts disputed at once at a price of $120 monthly that never exceeds four months or $350 one-time fee, and to add some sprinkles on top they don’t require clients to send sensitive information like your social security number which is absurd! All of this magic can be found on their website at you might be reading this and saying, they can’t have their cake and eat it, too right?

Why would they remove the curtain around credit repair and expose the secrets that profit other companies most? The answerer is simple, consumers deserve better than what they have been getting, your finance is very important to you and it should be important to who you pay to fix it. Credit Cadabra provides a chance to build a relationship with your credit repair specialist, all of their consultations are free and can be scheduled at any time of the day. You will receive tips like the importance of paying half the amount owed on your credit card fifteen days prior to your due date and paying the other half owed on your due date to gain double the amount of points in one month from the targeted card! What is even crazier is that they stress how you can use this tip instead of purchasing a tradeline which is often times the most expensive service credit repair companies have, Credit Cadabra has made it very clear that becoming the highest-earning credit repair company is not their goal but the most successful. The problem with a business wanting to be the most successful is often the goal’s link to selfishness, what gives Credit Cadabra the magical touch is that their benchmark for success is customer satisfaction. This is why you can find photos of the integrations they have had with their customers and proof of their process working. It is almost impossible to count how many “proof of satisfaction” sections on business websites that don’t offer imagery to provide proof of service and its results. Credit Cadabra continues to spearhead its goal of transparency by offering screenshots text, email, and social media communication with their past clients, some were so satisfied that they allowed their information to be displayed, now what did we say about seeing is believing?

From the outside looking in it appears Credit Cadabra is quickly becoming a staple in financial advising and credit repair innovation. They are uploading posts to their blog daily to provide useful original tips and tricks to raise your credit score, their goal is simple, it’s just unfortunate that other credit repair companies can’t adopt an approach like Credit Cadabra by prioritizing customer satisfaction and company transparency instead of business recognition and sale projection because truthfully, you don’t need magic to fix bad credit, you need transparency because it is evident by Credit Cadabra’s growth that when you give your clients what they paid you for there is no need for smoke and mirrors.

If you are tired of waiting on the rabbit to come out of the hat, please contact us

Contact Info:
Name: Dom Lucre
Email: Send Email
Organization: Credit Cadabra
Phone: (323) 432-0849

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Source: MarketersMedia

Release ID: 89044147

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Are Sallie Mae Student Loans Federal or Private?



When you hear the name Sallie Mae, you probably think of student loans. There’s a good reason for that; Sallie Mae has a long history, during which time it has provided both federal and private student loans.

However, as of 2014, all of Sallie Mae’s student loans are private, and its federal loans have been sold to another servicer. Here’s what to know if you have a Sallie Mae loan or are considering taking one out.

What is Sallie Mae?

Sallie Mae is a company that currently offers private student loans. But it has taken a few forms over the years.

In 1972, Congress first created the Student Loan Marketing Association (SLMA) as a private, for-profit corporation. Congress gave SLMA, commonly called “Sallie Mae,” the status of a government-sponsored enterprise (GSE) to support the company in its mission to provide stability and liquidity to the student loan market as a warehouse for student loans.

However, in 2004, the structure and purpose of the company began to change. SLMA dissolved in late December of that year, and the SLM Corporation, or “Sallie Mae,” was formed in its place as a fully private-sector company without GSE status.

In 2014, the company underwent another big adjustment when Sallie Mae split to form Navient and Sallie Mae. Navient is a federal student loan servicer that manages existing student loan accounts. Meanwhile, Sallie Mae continues to offer private student loans and other financial products to consumers. If you took out a student loan with Sallie Mae prior to 2014, there’s a chance that it was a federal student loan under the now-defunct Federal Family Education Loan Program (FFELP).

At present, Sallie Mae owns 1.4 percent of student loans in the United States. In addition to private student loans, the bank also offers credit cards, personal loans and savings accounts to its customers, many of whom are college students.

What is the difference between private and federal student loans?

When you’re seeking financing to pay for college, you’ll have a big choice to make: federal versus private student loans. Both types of loans offer some benefits and drawbacks.

Federal student loans are educational loans that come from the U.S. government. Under the William D. Ford Federal Direct Loan Program, there are four types of federal student loans available to qualified borrowers.

With federal student loans, you typically do not need a co-signer or even a credit check. The loans also come with numerous benefits, such as the ability to adjust your repayment plan based on your income. You may also be able to pause payments with a forbearance or deferment and perhaps even qualify for some level of student loan forgiveness.

On the negative side, most federal student loans feature borrowing limits, so you might need to find supplemental funding or scholarships if your educational costs exceed federal loan maximums.

Private student loans are educational loans you can access from private lenders, such as banks, credit unions and online lenders. On the plus side, private student loans often feature higher loan amounts than you can access through federal funding. And if you or your co-signer has excellent credit, you may be able to secure a competitive interest rate as well.

As for drawbacks, private student loans don’t offer the valuable benefits that federal student borrowers can enjoy. You may also face higher interest rates or have a harder time qualifying for financing if you have bad credit.

Are Sallie Mae loans better than federal student loans?

In general, federal loans are the best first choice for student borrowers. Federal student loans offer numerous benefits that private loans do not. You’ll generally want to complete the Free Application for Federal Student Aid (FAFSA) and review federal funding options before applying for any type of private student loan — Sallie Mae loans included.

However, private student loans, like those offered by Sallie Mae, do have their place. In some cases, federal student aid, grants, scholarships, work-study programs and savings might not be enough to cover educational expenses. In these situations, private student loans may provide you with another way to pay for college.

If you do need to take out private student loans, Sallie Mae is a lender worth considering. It offers loans for a variety of needs, including undergrad, MBA school, medical school, dental school and law school. Its loans also feature 100 percent coverage, so you can find funding for all of your certified school expenses.

With that said, it’s always best to compare a few lenders before committing. All lenders evaluate income and credit score differently, so it’s possible that another lender could give you lower interest rates or more favorable terms.

The bottom line

Sallie Mae may be a good choice if you’re in the market for private student loans and other financial products. Just be sure to do your research upfront, as you should before you take out any form of financing. Comparing multiple offers always gives you the best chance of saving money.

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Tips to do some fall cleaning on your finances



Wealth manager, Harry Abrahamsen, has five simple ways to stay on top of the big financial picture.

PORTLAND, Maine — Keeping track of our financial stability is something we can all do, whether we have IRAs or 401ks or just a checking account. Harry J. Abrahamsen is the Founder of Abrahamsen Financial Group. He works with clients to create and grow their own wealth. Abrahamsen shares five financial tips, starting with knowing what you have. 

1. Analyze Your Finances Quarterly or Biannually

You want to make sure that your long-term strategy is congruent with your short-term strategy. If the short-term is not working out, you may need to adjust what you are doing to make sure your outcome produces the desired results you are looking to accomplish. It is just like setting sail on a voyage across the Atlantic Ocean. You know where you want to go and plot your course, but there are many factors that need to be considered to actually get you across and across safely. Your finances behave the exact same way. Check your current situation and make sure you are taking into consideration all of the various wealth-eroding factors that can take you completely off course.

With interest rates very low, now might be a good time to consider refinancing student loans or mortgages, or consolidating credit card debt. However, do so only if you need to or if you can create a positive cash flow. To ensure that you are saving the most by doing so, you must look at current payments, excluding taxes and insurance costs. This way you can do an apples-to-apples comparison.

The most important things to look for when reviewing your credit report is accuracy. Make sure the reporting agencies are reporting things actuary. If it doesn’t appear to be reporting correct and accurate information, you should consult with a reputable credit repair company to help you fix the incorrect information.

4. Savings and Retirement Accounts

The most important thing to consider when reviewing your savings and retirement accounts is to make sure the strategies match your short-term and long-term investment objectives. All too often people end up making decisions one at a time, at different times in their lives, with different people, under different circumstances. Having a sound strategy in place will allow you to view your finances with a macro-economic lens vs a micro-economic view. Stay the course and adjust accordingly from a risk and tax standpoint.

RELATED: Financial lessons learned through the pandemic

A great tip for lowering utility bills or car insurance premiums: Simply ask! There may be things you are not aware of that could save you hundreds of dollars every month. You just need to call all of the companies that you do business with to find out about cost-cutting strategies. 

RELATED: Overcome your fear of finances

To learn more about Abrahamsen Financial, click here

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How to Get a Loan Even with Bad Credit



Sana pwedeng mabura ang bad credit history as quickly and easily as paying off your utility bills, ‘no? Unfortunately, it takes time. And bago mo pa maayos ang bad credit mo, more often than not, kailangan mo na namang mag-avail ng panibagong loan. 

Good thing you can still get a loan even with bad credit, kahit na medyo limited ang options. How do you get a loan if you have bad credit? Alamin sa short guide na ito. 

For more finance tips, visit Moneymax.



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