NEW YORK, February 2, 2023 (Newswire.com) - iQuanti: Loan applicants with credit scores between 300 and 579 are considered poor-credit borrowers. If you have poor credit, you'll need to find a lender who has less strict credit score requirements and considers applicants with all types of scores. Although no credit check loans may be hard to come by, there are many lenders out there that approve poor-credit borrowers. Here are some financing options that poor-credit borrowers can consider in 2023:  

1. Cash advances

Cash advances are short-term loans that can give borrowers a few hundred dollars to cover expenses. You'll repay this loan the next time you receive a paycheck, in two to four weeks. Some cash advance lenders allow borrowers to stretch the loan out over a longer term, but there will be an interest payment due each time the borrower gets paid. Before applying for a cash advance, read the terms and conditions carefully so you know what to expect.

Many cash advance lenders approve poor-credit borrowers and will consider additional factors like employment and current debts when making an approval decision. Keep in mind that applicants are also required to produce valid identification, so the lender can have a current address and your personal information on file.

2. Title loans

Buying a car is an accomplishment. It also provides you with a valuable piece of collateral to use if you need a title loan. Anyone who holds a title to a car, motorcycle, RV, or boat can apply for this type of secured loan. There will be a credit check, but title lenders aren't as concerned with your credit score as other types of lenders. They mostly want to know if you pay your bills and whether you own the vehicle outright. 

Title loans can be a great option if you need funds right away and plan on paying the loan back quickly. But keep in mind that the lender can take away your car if you can't repay the loan, so it's smart to have a good repayment plan before applying. 

3. Pawn shop loans

A pawn shop loan is another type of secured loan because the borrower provides an asset as collateral. Unlike a title loan, where the lender only holds your car's title, pawn shop loans require the actual asset. Examples of this include jewelry, electronics, rare coins, or expensive clothing like leather jackets and fur coats. 

Pawn shops will hold collateral as long as you make your payments. The borrower can terminate the agreement by paying off the loan or simply stopping the payments. The latter is considered a surrender of collateral and allows the pawn shop to resell your asset to another customer. So, make sure to pay the loan back if you want to keep your item.

The bottom line

Luckily, poor credit may not prevent you from getting a loan. It may limit your options with traditional lenders like banks and credit unions, but there are often funds available from cash advance lenders, title lenders, and pawn shop lenders. It's smart to shop around and compare lenders and loan options to find the right poor-credit loan for your budget and needs. 

Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125


Original Source: 4 Financing Options for Poor-Credit Borrowers in 2023

NEW YORK, February 2, 2023 (Newswire.com) - iQuanti: Your credit score is a vital piece of your financial picture. It impacts your ability to buy a home, purchase a car, rent an apartment, open a credit card, and much more. Unfortunately, there are many myths out there that, if fallen for, can set you back on your credit-building journey. With that in mind, this article will debunk common credit score myths and offer some tips on how to fix your credit score.

1. Checking my credit score lowers my score

Applying for credit can temporarily harm your score, an effect that wears off after several months. However, checking it yourself does not harm your score at all. You can only get one free copy of your official credit report from each credit bureau — Equifax, Experian, and TransUnion — per year. Getting more than one from each costs money. However, you can check your score online for free through websites like CreditKarma, although the scoring model differs slightly. Some banks offer credit monitoring tools to customers as well.

2. You need a good credit score to qualify for a loan

A higher credit score indeed offers access to more loans. But borrowers with poor or little credit still have plenty of options. Many traditional lenders run credit checks for loans but don't ask for a high score. This is especially true for secured loans — loans that require you to put down a piece of collateral. Some unsecured loans also have less strict credit score requirements and look at other factors like income and employment during the approval decision process.

3. Paying off debt eliminates its effects

Paying off any relevant debts doesn't wipe the evidence of them off your credit report right away. Certain types of derogatory marks may stay on for a certain amount of time before falling off.

For example, Chapter 13 bankruptcies can remain on one's credit report for up to seven years. Meanwhile, Chapter 7 bankruptcies can take up to 10 years to fall off. Many other derogatory marks, such as account charge-offs and collections, stay on your report for around seven years.

Sometimes, marks are erroneously left on your report after they were supposed to fall off. In this case, you'll need a copy of your credit report to find the mark, then file your dispute with the corresponding credit bureau.

4. Closing a credit card helps your score

Closing a credit card can actually hurt your score because this can affect three of the five factors credit bureaus use to calculate your score: credit history length, credit mix, and utilization.

Here is how each works:

• Credit history length measures the average age of your accounts, along with your oldest and newest account ages. Closing an account reduces your average account age, hurting your score.
• Credit mix measures the diversity of loans and credit cards you have. Closing a credit card could reduce your credit mix, hurting your score.
• Credit utilization measures total credit balances against total credit limits across all cards. Closing a card reduces your total credit limit and doesn't erase that card's balance. This could increase your utilization, harming your score.

Ideally, you keep the card open and use it once in a while to prevent the company from closing it for inactivity.

Ignore these credit score myths

Misinformation about credit scores can hamper your credit-building efforts, so it's important to stay informed about how credit works. Remember: you can check your credit as often as needed without worrying about credit damage, and you can still get a loan without a good credit score. In fact, getting a poor-credit loan can be a great way to build up your score if you pay the loan in a timely manner and the lender reports it to credit bureaus.

Additionally, paying off debt doesn't erase it from your credit report immediately. You might have to wait or take more action. Meanwhile, closing credit cards can actually hurt your score instead of helping it. Ignore these common credit card myths to stay on the right path toward building your score and reaping the benefits.

Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125


Original Source: 4 Common Credit Score Myths You Should Know

Crypto Lists' new section features a variety of toplists covering a specific range of casino offerings. These include new crypto and real money casinos, decentralized casinos, Bitcoin and Ethereum casinos, with a sportsbook section coming soon.

EAST HAMPTON, N.Y., February 2, 2023 (Newswire.com) - CryptoLists.com continues to add value to their readers, as they start following a new direction, one which features online casino as an additional cornerstone of the site.

The overview page presents snippets of the individual casino-related toplists, making the site easy to navigate for readers who are searching for something specific. While there are some more crypto-specific toplists, such as decentralized casinos, others include real money casinos and those with instant payouts after winnings. Interested parties may view the page here: https://www.cryptolists.com/casino/

Shaping up nicely
The co-founder Markus Jalmerot is enthused with the new and dedicated casino section, explaining: "The company's other co-founder and I come from the casino space, so it was always an intention of ours to explore crypto casinos once it was established as a flourishing niche."

He continues: "We perhaps didn't imagine it getting off the ground so quickly, but we're really happy at how the casino section of Crypto Lists Ltd. is shaping up. And, of course, we're not forgetting about the coins and exchanges that our visitors know us for. We're simply adding another string to the bow, so to speak."

A plethora of lists
Linked to the overview page are a variety of different toplists to help readers make the most informed choice. Both new crypto and real money casino sites can be found at https://www.cryptolists.com/casino/new/. Crypto Lists aims to have visitors covered whether they're looking for casino sites specializing in Bitcoin and Ethereum deposits, as well as no-wager and decentralized casinos. Additionally, there are plans on the near horizon to create a toplist featuring casinos that have sportsbooks.

Room for traditional online casinos
Although crypto is the central theme of the website, Crypto Lists also has listings of real-money-only casinos, since a considerable number of people prefer to use traditional currencies when playing. Many crypto casinos in the toplist accept fiat as an alternative funding method, and these brands are clearly reviewed, classified and listed as such. Branching out into 'traditional' casinos will help the toplist site to venture further into the online gambling space, adding more value for its visitors.

Contact Information:
Markus Jalmerot
Editor-in-chief
[email protected]
+351911065323


Original Source: Crypto Lists Adds Overview Section Dedicated to Casino

First-of-its-kind, a day-to-night clutch accompanied by a detachable chain that doubles as a beautiful fine jewelry necklace or bracelet

NEW YORK, February 2, 2023 (Newswire.com) - Designers Lepa Galeb-Roskopp and Jeffrey Levinson have collaborated to create a fully customizable luxury handbag that is both innovative and versatile. Combining Misahara's signature Chain City Chain with a dedicated version of Jeffrey Levinson's Finley Clutch, the stunning bag features a detachable 14K gold strap that doubles as a necklace. Levinson's Finley Clutch with hardware endcaps and Misahara's Levinson Chain are sold exclusively for the collaboration and cannot be ordered separately. 

The duality of the strap and necklace encompasses the designers' passion for beauty and technical excellence. Customers can personalize the dual-purpose strap and necklace by choosing from different gemstones, gold color, enamel, length, textures and more. Bag finishes and hardware can be chosen to match or complement the strap in an array of finishes including gloss, matte, translucent, precious metal, fine leaf, and exotics. Every detail and function was considered during the design process: The Finley Clutch is made from high-specification aerospace-grade aluminum, making it remarkably strong and lightweight; the handcrafted solid-gold strap underwent various stress tests to ensure durability when carrying the bag.

The Misahara Finley Clutch debuted to the press on Thursday, Jan. 26, during an intimate evening at designer Lepa Galeb-Roskopp's apartment in New York City. Editors from the top luxury publications were in attendance. The brands shared the story of the collaboration and the unique details of the product. Guests responded with enthusiasm in seeing two luxury houses coming together to create a first-of-its-kind product in this timeless clutch. Clients were able to begin the bespoke ordering experience the following morning, Jan. 27. 

The synergy between Misahara and Jeffrey Levinson ignited nearly two years ago when the collaboration began, and it stems from the designers' love of luxury cars. Misahara has been the exclusive fine jewelry brand partner of Ferrari North America for the last six years while Jeffrey Levinson has previously worked with Jaguar. Together, their love of luxury has resulted in a collaboration that combines quality, taste, and versatility. The Misahara Finley Clutch is available for order at Misahara.com and JefferyLevinson.com. Clients can contact either brand to begin the design process with Levinson and Galeb-Roskopp. The one-of-a-kind bags start at $10,000 and vary based on customization. 

About Jeffrey Levinson

Jeffrey Levinson launched his brand to create beautiful, timeless pieces inspired by his background in the automotive industry and his interest in merging design and technology. Now, the Jeffrey Levinson clutch is the modern accessory, a sleek and versatile clutch that was inspired by the iconic and revolutionary Jaguar D-Type. With a supremely comfortable feel, the technologically advanced Finley comes in an array of rich, vibrant colors ranging from $850-$4,750. 

Contact Information:
Jessica Kiraly
Mega Mega Projects
[email protected]

Julia Flynn
Cabine Creative
[email protected]
Related Images


Original Source: Misahara Jewelry and Jeffrey Levinson Join Forces and Create a New Category in Fine Luxury Accessories for Women

Through the LOR Foundation's Field Work Initiative, Western Farmers and Ranchers Are Eligible for Up to $10,000 to Implement Innovative Water Projects on Their Land.

DENVER, February 1, 2023 (Newswire.com) - As the West experiences its worst drought in the past 1,200 years and as food demand continues to increase (by as much as 98 percent by 2050, according to some estimates), Western farmers and ranchers are on the frontlines of the fight to solve water challenges. Too often, however, funding for innovative techniques that might improve water usage is hard to access and slow to reach the experts on the ground. For example, some federal programs that provide funding to agricultural producers can take one to two years before the money reaches the people in need. That's where LOR's Field Work initiative comes in. 

Through Field Work, farmers and ranchers in Colorado, Idaho, Montana, New Mexico, and Wyoming are eligible for up to $10,000 to implement innovative water projects on their land. Those projects might address issues like water diversion, storage, delivery, application, and more. LOR's goal is to get money quickly into the hands of the people who have potential solutions and just need a little help to implement them. 

"We believe that those closest to the problem often have the best solutions," says Alex Dunlop, chief business development officer for the LOR Foundation. "Farmers and ranchers in places like Monte Vista, Colorado, Libby, Montana, and Questa, New Mexico, have creative, out-of-the-box solutions to water challenges. Field Work is a chance to help them put those ideas into practice and learn from them."

The hope is that this real-world research will reveal solutions that can be used throughout the West to grow food while contending with an ever-dwindling water supply. Applications for Field Work are now open, and LOR will be accepting proposals through Feb. 22 for projects that must be completed in 2023.  

For more information, visit www.lorfoundation.org/field-work. 

About the LOR Foundation: LOR works with rural communities in the Mountain West to enhance livability and prosperity while preserving the character that makes each community unique.

Media Contacts: 
To request images or to arrange interviews, please contact: 

Kasey Cordell, LOR Communications Officer 
[email protected] | 720-202-2356

Contact Information:
Kasey Cordell
Communications Officer
[email protected]
720-202-2356


Original Source: LOR Foundation Launches a Research Initiative That Funds Innovative Approaches to Using Water in Agriculture

SAN FRANCISCO, February 1, 2023 (Newswire.com) - KlimaDAO has ratified 250,000 USDC in funding to support the development of the Improved Cookstoves project in Bangladesh in collaboration with SCB Group. The funding will enable the issuance of 31,250 Gold Standard certified carbon credits between 2023 and 2025, with the goal of providing liquidity for consumers within the Digital Carbon Market (DCM) on the Polygon blockchain.

By rolling out energy-efficient, improved smokeless cook stoves known locally as 'Chula' to the community, the project helps address environmental and health issues that stem from the use of inefficient cookstoves and polluting open flames within homes.

The partnership demonstrates how decentralized mechanisms can be used to transparently allocate resources towards high-impact carbon projects globally, and how community-wide governance can enable greater stakeholder engagement and scrutiny around the type and quality of carbon credits that are bridged into the DCM.

The partnership announcement comes after three months of discussion on KlimaDAO's Community Forum and a token vote via the Snapshot platform.

Drew Bonneau of KlimaDAO said, "This collaboration represents a significant milestone for KlimaDAO and the wider DCM, as the community's first DAO-wide token vote to allocate funding towards a project financing initiative. The carbon markets are becoming an increasingly important mechanism for directing capital to projects across the globe, and increased community involvement can help raise the scrutiny, scale and profile of project financing. The Improved Cookstoves for Rohingya Refugees in Bangladesh project, with its strong environmental and social co-benefits, now serves as a blueprint for future decentralized carbon project initiatives."

Kevin McGeeney, CEO of SCB Group, said, "The on-chain community, always at the forefront of shaping emerging best practice in voluntary carbon markets, has once again demonstrated how forward-thinking and agile it is by agreeing to support this project. I congratulate KlimaDAO for their collaborative approach and am especially pleased I've had the honor to visit this project firsthand. The people we're supporting left everything behind in their homeland of Myanmar, and although they are now safe in Bangladesh, their situation is beyond what most of us can imagine. Your support allows these people to cook their rations and boil their water, saving time that can be more productive and sparing the scarce resources of the surrounding environment in the world's most densely populated country."

About KlimaDAO

KlimaDAO's mission is to accelerate the delivery of climate finance globally by building the transparent, neutral, and public infrastructure needed to scale the Digital Carbon Market. Contact KlimaDAO.

About SCB Group

SCB has more than 17 years' experience in the global renewables and commodity markets. With an industry-leading team and more than 100 employees across offices in Chicago, London, Singapore and Geneva, SCB is a world-leading low-carbon commodity company. It provides market-based carbon trading solutions to assist clients in achieving their sustainability goals and supports the financing of high-integrity and quality emission reduction and removal projects. Contact SCB Group.

Contact Information:
Katherine Anderson
Senior Marketing Manager, SCB Group
[email protected]

Alex Taylor
Press
[email protected]


Original Source: KlimaDAO and SCB Group Carbon Project Financing Partnership: Improved Cookstoves for Rohingya Refugees in Bangladesh