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About The Author

Ben Todd

Ben was a seriously broke graduate student with bad credit who after finding himself rejected for any sort of credit card or loan for most of his adult life, finally decided to get his financial life in order. ' He spent several years reading as many financial advice books and blogs as he could. And suprisingly, Ben found he actually LIKED the topic of personal finance; after fixing his own finances, starting his own successful work at home website business, and using his earnings to get out of debt, created to help others do likewise!


  1. Elvia

    I have bad credit I need loan to repay my debt

    • admin

      Look at secured credit cards — these can help you rebuild your bad credit in time. Or if you have loan debt issues, consider consolidation as a means to make payments easier for you.

  2. Vernon G. WITTKOPP

    How do I get an e-check ?


    Hi there
    For PayPal payment using eCheck, but the other party we have sent the goods ahead for hurry,
    Settlement is now canceled.

    Please let me know if you have any measures.
    Thanks you.

    • admin

      Paypal echecks are a different service completely. They are not true ‘echecks’ but simply just another paypal transaction, but one that takes nearly a week to process.

      With paypal echecks NEVER send anything you sell until the echeck clears — which usually take about 7 days. I used to use paypal echecks and it was a common scam for people to pay via echeck with the seller shipping and then the paypal echeck cancels and the seller is out what he ships.

  4. SD

    Awesome Article:)

  5. JR

    Unfortunately, credit checks for checking accounts are becoming more popular, and are requiring higher scores. I have tried opening a checking account at several banks and credit unions (local and nationwide banks) in my area, with no success. I have no bad banking history, just bad credit. The required scores I have seen are between 500-600 minimum. While living in California, I could not open a checking or savings account, because they required either a credit card, student ID, or military ID (none of which I had), along with standard identification papers/cards. People question how anyone could use check cashing services with their high fees, but for many, that is the only option.

  6. Antanas Prismantas

    open bank accont now


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