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Scam Proof Your Loan

Scam-Proof Your Loan
Looking for a​ personal loan? Bring your common sense with you​ .​
If you​ don’t make smart decisions,​ you​ could end up being scammed—losing money when you​ need it​ the​ most .​
Here are some ways of​ avoiding loan traps.
First of​ all,​ don’t believe the​ first brochure you​ read .​
Look around and see what the​ rates and terms are,​ and be particularly careful of​ really low loan rates .​
.​
Sometimes the​ lender sneaks in​ teaser rates that will adjust later or​ gives you​ a​ quote for a​ different type of​ mortgage product.
Second of​ all,​ find out your own credit score .​
Some companies will scare you​ into thinking that you​ have such a​ bad credit rating that you’d be lucky to​ get any rate (which,​ in​ turn,​ will make you​ more amenable to​ accepting their terms on​ the​ loan) .​
No,​ don’t fall for that one: get your credit rating yourself .​
You may actually be surprised; many of​ us have better scores than we think we do.
Third of​ all,​ don’t sign any document that has blanks or​ contains incorrect information .​
Remember that everything you​ are signing becomes a​ legal fact .​
If you​ sign a​ document that doesn't have all the​ particulars filled in,​ then whatever the​ lender writes in​ will be forever held against you​ .​
And if​ you​ don't understand something,​ don't sign it .​
Fourth of​ all,​ always reread a​ contract before signing it .​
Some very sneaky companies change the​ interest rates and loan amounts after negotiation .​
Protect yourself from this and comb through the​ documents .​
If there’s an​ error and they correct it,​ disappearing from the​ room to​ print out a​ new copy,​ then reread it​ again when they bring it​ back .​
All of​ it,​ not just what you​ changed .​
Hey,​ better safe than sorry .​
Double-check that the​ interest rates and loan amounts all add up at​ closing .​
Sometimes a​ lender will try to​ sneak a​ different rate in,​ hoping you​ won't notice .​
Make sure that everything is​ correct.
And of​ course,​ never lie about anything .​
Fraud can land you​ in​ jail .​
So don’t ever overstate your income,​ understate your expenses,​ or​ give false information about your company just to​ secure a​ loan .​
If you​ get caught,​ the​ consequences will be very,​ very expensive .​
Think Jail .​
Think seeing your business license revoked .​
Think having your company investigated by attorneys and seeing every detail of​ the​ investigation in​ your local newspaper .​
Another important rule of​ thumb: borrow according to​ your needs,​ not according to​ the​ sales talk you​ get .​
If someone calls you​ and offers you​ a​ refinance,​ you​ should probably turn it​ down .​
If you​ don't need to​ refinance,​ don't do it .​
Some shady lenders use this as​ a​ way to​ make money off of​ you​ by charging large fees and offering refinances every year,​ or​ more often .​
This is​ related to​ another tip: don’t let a​ lender talk you​ into a​ larger loan .​
Only borrow what you​ know you​ can afford .​
Don't let any lender ever talk you​ into a​ larger loan .​
The key to​ avoiding fraud is​ in​ being educated,​ asking a​ lot of​ questions and understanding that the​ lender is​ not your friend .​
Be friendly,​ but be cautious .​
And most of​ all,​ be smart.

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