Loan Resources
Since 2018, Credit9 has provided over $185 million in personal loans to over 14,000 of our customers, and we’re confident we can help you too. With a Credit9 Loan, you can eliminate credit card debt and enjoy a single, fixed, and affordable monthly payment.
In the sections below, you’ll discover many helpful articles about how to use a debt consolidation loan to pay off your credit cards, manage debt, and improve your credit score along with other financial topics that may be of interest to you.
Do Student Loans Affect Your Credit Score? (The Answer Is Not So Clear-Cut)
Posted on Jun 25, 2024 by Melissa Cook
Finding out if student loans affect your credit score is a common concern among students and recent graduates. With so many conflicting opinions and misinformation, it can be difficult to determine the truth. Knowing the facts about how student loans impact your credit score is crucial in order to make...
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Does Filing For Unemployment Affect Your Credit Score? (What You Should Know)
Posted on Jun 19, 2024 by Melissa Cook
Filing for unemployment does not directly affect your credit score, but it can indirectly impact it in certain ways. Credit scores play a vital role in our financial lives. They determine the interest rates on loans, credit cards, and even insurance premiums. It’s common knowledge that late payments and high...
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How Long Does Negative Information Stay On Your Credit Report?
Posted on Jun 12, 2024 by Aaron Sarentino
Negative information on your credit report can last for years, but fortunately, there are statutes of limitations for such occurrences. When it comes to negative information related to individual accounts, a credit report’s memory may last anywhere from two to 10 years. Understanding how long negative information stays on your...
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Why Is My Credit Score Different On Different Sites?
Posted on May 01, 2024 by Melissa Cook
There are a few reasons the credit scores you see when you check on your own may vary from what a lender sees when evaluating you for a credit account. When it comes to the representation of your financial health and lendability, few things are as crucial as your credit...
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What Are Personal Loan Origination Fees? (Everything You Need To Know)
Posted on Apr 09, 2024 by Aaron Sarentino
Origination fees play an important role in financing the lending process and can be a factor in what borrowers use to compare personal loans. When you’re in need of financial assistance, whether it’s for consolidating debt, covering unexpected expenses, or pursuing a dream project, securing a personal loan can be...
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What Is The Difference Between A Soft And Hard Credit Inquiry?
Posted on Apr 02, 2024 by Melissa Cook
Soft inquiries are credit inquiries that do not affect your credit score but are recorded on your credit report while hard inquiries can affect your credit score. When it comes to assessing your credit, the terms “soft inquiry” and “hard inquiry” frequently arise, sparking inquiries about their implications on credit...
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What Is Collateral? A Comprehensive Guide
Posted on Mar 20, 2024 by Minh Tong
Using collateral could improve your chances of loan approval, but one should also be aware of the risks involved. In the realm of lending, the concept of “collateral” often emerges as a pivotal factor, influencing loan approval processes and terms. Whether you’re applying for a mortgage, car loan, or even...
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Home Equity Loan vs. Personal Loan: Which Is Better?
Posted on Mar 12, 2024 by Aaron Sarentino
Whether it’s for a significant purchase, debt consolidation, or an unforeseen expense, researching your loan options can save you a lot of money. Among the variety of loan choices available for individuals looking to borrow a significant amount of money, two options stand out: the home equity loan, catering to...
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How To Improve Your Credit Score To Get A Personal Loan
Posted on Mar 06, 2024 by Melissa Cook
Building credit to qualify for a loan can be challenging for some, but there are steps you can take to improve your credit score. In the complex game of credit scoring, finding yourself with a less-than-ideal number (say, below 670) can feel like you’re wearing a sign that signals to...
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