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With the various services we provide, we are a team working hard to regulate your credit. If you have a low credit score, we are always willing to assist you in improving it. We, as a group, will support you in achieving success in all of your efforts. So don't wait any longer; we're waiting for you to place your trust in us. Join us right now!


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We help you get back in control of your credit, so you can live the life you want.

The Fair Credit Report Act gives you legal rights to a fair, accurate, and verifiable credit report. Yet over 40 Million mistakes occur. By implementing our proven legal process, we help ensure that the credit bureaus and creditors can’t abuse these standards.

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Latest Posts

Should You Borrow from a Licensed Money Lender?

Should You Borrow from a Licensed Money Lender
Borrowing money should be treated with the seriousness it deserves. Don’t borrow money from anyone. There are consequences that you do not want to act oblivious of. Hurt pockets are guaranteed if you do not make the right lender selection decision adequately. There are good consequences for choosing to borrow from a licensed money lender. Sometimes, it may come with its shortcomings. Regardless, you ought to understand that no borrowing has advantages only. Irrespective of the lender, every borrowing has its flaws you have to consider. These are essential things you need to know about borrowing from licensed money lenders
  1. Legal obligations

You are legally tied to fulfilling your loan contracts with any licensed lender(s). Going against this obligation has its consequences. Legal action will be taken against them, and the products may not be pleasing. For instance, a caveat may be placed against your property. That means that the proceeds of the sale of that wealth may all be claimed by the lender. Or they could take part in it. Another consequence is that you may not be able to sell the property until you settle all your debt. That could put you in a big financial mess as you could lose most or all of your wealth depending on the amount of loan you took. Licensed lenders have the power to use legal means to get to you. That is why you cannot risk misbehaving with their loan. If you do not believe you can repay the loan, you should avoid this category of lenders. You do not want to put yourself in trouble while staring at it.
  1. Loan limits

Banks will mainly categorize loans into two. Unsecured and secured loans. The fast loans are attached to some property of yours or guarantors. The others are not secured by any asset. For that reason, unsecured loans are high risk. Well, that may explain why unsecured loans may be issued but with lower loan limits. Secured loans will probably come at a higher limit because it is pegged to your asset. In addition, it is yours to lose if you default on repaying the loan. This, too, is an important consideration when seeking to borrow from a licensed lender. Both options have implications, and it’s wise to scrutinize your situation and compare with the facts regarding limits.
  1. How much can you borrow from a licensed lender?

When all is said and done, there’s only a certain amount that you can earn depending on your status. Singapore bona fide residents and those with a higher annual income have an advantage when it comes to this. For instance, under being a Singapore resident, one is entitled to $3000 if they earn $20,000 or less in a year. However, foreigners making the same are allowed to a lesser amount. For those earning above $20,000, you can get as much as six times your income in loan amount irrespective of your citizenship. These are rates by licensed lenders. As you can read, some standardization makes it easier to plan when dealing with this kind of lender.
  1. Lending rates

For licensed lenders, this rate is capped at 4% in Singapore. This doesn’t matter whether you have a higher income or not. The amount is standard, which explains the fairness in Singaporean lenders when it comes to licensed lenders. Well, the unlicensed lenders will tend to vary their rates based on incomes to mitigate risks. So, to conclude, should you borrow from licensed money lenders? My answer would be yes!

Best Tips To Recover Debt

Recover Debt

If you are looking for some best tips to recover debts then you are on the right web page. In this article, we are talking about the best advice to nail your current Debt.

Tip 1: Know your debt condition

It is effortless to get into the money owed; however, it’s miles similarly tough to pop out of it. It becomes an exquisite juggle in case you do not possess enough savings or recurring income. Receiving credits will cost you some seconds but, repaying, it will take cowl months together. Digging out of the loan is the substantial manner of preserving a stable financial status. When you have a clear picture of the current debt situation, it will be much more convenient to find solutions to recover them.

Tip 2: Calculate the after-effects of Debt

The credit might assist you to reap an assured and preferred lifestyle, but the confidence gathered can even explode your patience and relaxed life. A formed and disciplined way of managing your Debt is by reducing the load of it with ease. Avoid negotiation with the repayments of Debt. If the debts are not heard appropriately, then they might end pooling up of more debts.

Business Debt

Tip 3: Stop developing Debt

The fundamental advice is to get rid of the Debt. The condition which puts you into the niche of borrowing is sometimes unavoidable. If you do not consider the repayment as the most priority, then no doubt you will come to be collecting the Debt. When you are taking overlapping borrowing to pay off the preceding ones, the Debt turns into a series of borrowings. Freeze your Debt via decreasing the depth of borrowing and deal with repaying them as quickly as possible and beginning to save.

Tip 4: Increase the monthly payments

Repay the principal quantity in instalments. This reduces the growth of repayments, for example, pay off twice or three times a month. This will reduce strain and increase confidence. Having a prolonged debt can cut back your enthusiasm in savings. Once you clear your Debt with the aid of dashing up the repayments, you can march in the direction of final up and chart to store.

Tip 5: Maintain an emergency fund

An emergency fund is a collection of extra money for uninvited expenditure. During the time of bankruptcy, this can help you to pay off your Debt. It also restricts you from growing additional Debt and reduces your urge for borrowing. An ideal emergency fund is at the least 365 days of financial savings.

Tip 6: Clear the Debt in one shot

If you have got multiple splendid money owed and all your earning are going away in repaying the pursuits and the instalments, then the best recommendation is to take one convenient credit and pay off all the splendid little money owed.


It is crucial for everyone to be aware of the potential consequences of having too many debts. To become debt-free, make it a point to pay off all of your debts as soon as possible. After you have compiled a list of bills that should be paid first and made a budget and adjust your spending accordingly. Keep your eyes on the goal while you manage your debts. Don’t lose sight of it. Once you have paid off all your debts, you will be able to buy the luxury item you want and also manage your debt.

If you are having multiple debts, you can consider a debt consolidation loan, it is a tool that combines all of the due payments into one single loan, and make things easier and simpler for your outstanding credit card bills together with your loans. In Singapore, you can avail of a Debt Consolidation Loan from banks and from Tradition Credit Co Pte Ltd the best licensed money lenders Singapore that provide various kinds of loan solutions with no hidden fees.