Need a Car but Your Credit Is Bad? How to Get Started

Most people with good credit can walk into a dealership, pick out the vehicle they want, and sign the loan paperwork. People with bad credit, on the other hand, need to understand that their car buying experience is going to be a little different. These five steps can help you take on the bad credit car buying process with confidence.

Step 1: Know Your Credit

Before you can begin looking at vehicles, you need to know where your credit stands and what’s on your credit reports. You may be surprised by what you see.

You can get a complimentary copy of your credit […] Read more

Equifax (EFX) Research Coverage Started at BNP Paribas

BNP Paribas began coverage on shares of Equifax (NYSE:EFX) in a research report released on Friday morning. The brokerage issued an underperform rating and a $106.00 target price on the credit services provider’s stock.

Several other analysts have also recently weighed in on EFX. Zacks Investment Research raised Equifax from a sell rating to a hold rating in a report on Friday, February 22nd. Exane BNP Paribas started coverage on Equifax in a research note on Friday. They issued a neutral rating and a $106.00 price target for the company. Credit Suisse Group upped their price target on Equifax from $125.00 […] Read more

The mortgage ‘stress test’ has started harming Canadians more than it helps

When a mortgage stress test was first unveiled in late 2017 by the Office of the Superintendent of Financial Institutions (OSFI), it was to support the goals of keeping future Canadian homeowners’ financial “heads above water” and preventing “loose” lending. After more than a year in play, it is now apparent that the stress test is causing more harm than good, effectively closing a door in the faces of first-time homebuyers. The time has come for policy-makers to consider how to incentivize homebuyers in Canada, not penalize them.

Let’s dip into some recent history for context. We only have to go […] Read more

Why H&M Distributors just started accepting cryptocurrency payments

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It’s never too late to do crypto payments because all signs say the party’s just getting started.

The crypto payment solution is mildly ridiculous.
The crypto payment solution lets H&M Distributors eliminate chargebacks, process transactions within minutes and drastically cut the costs of international transfers to unlock a much wider global customer base.
There are huge opportunities in emerging markets for online retailers, and cryptocurrency payment solutions unlock them.

H&M Distributors – the Nevada-based lighting and light fixtures wholesaler, not the Swedish fast-fashion giant – has announced that it has started accepting cryptocurrency payments.

From one angle, it […] Read more

Massive Equifax hack reportedly started 4 months before it was detected

Enlarge / A monitor displays Equifax Inc. signage on the floor of the New York Stock Exchange (NYSE) in New York, US, on Friday, Sept. 15, 2017.

Michael Nagle/Bloomberg via Getty Images

Hackers behind the massive Equifax data breach began their attack no later than early March, more than four months before company officials discovered the intrusion, according to a report published Wednesday by the Wall Street Journal.

The first evidence of the hackers’ “interaction” with the Equifax network occurred on March 10, according to the report, which cited a confidential note that security firm FireEye sent to some Equifax customers. By then, a […] Read more