Eric Bank

Eric Bank

Bad Credit Expert

Based in Chicago, Eric Bank has been writing business-related articles since 1985, and science articles since 2010. His articles have appeared in "PC Magazine" and on numerous websites. He holds a B.S. in biology and an M.B.A. from New York University. He also holds an M.S. in finance from DePaul University.

Latest Posts

(15) Total Posts to Date

Guide

8,144 views

7 min read

13 Best “After Bankruptcy” Credit Cards (Unsecured + Secured Options)

13 Best After Bankruptcy Credit Cards

Some of life’s setbacks can be impossible to overcome. Fortunately, bankruptcy is not one of them. In fact, for... read more »

Eric Bank

By: Eric Bank • 2/15/17

Guide

49,740 views

11 min read

“What is a Good Credit Score?” (See What’s Required by 4 Loan Types)

What is a Good Credit Score?

The American dream is pretty simple: the pursuit of happiness. You want to better your life for you and your... read more »

Eric Bank

By: Eric Bank • 6/29/16

Guide

82,305 views

7 min read

“How to Refinance a Car” (3 Quick & Simple Steps)

How to Refinance a Car in 3 Quick Steps

Cars are great – they get us where we need to go directly and safely, and gas is currently much cheaper than it’s... read more »

Eric Bank

By: Eric Bank • 5/27/16

Guide

100,000+ views

5 min read

How to Cancel a Credit Card (8 Simple Steps)

How to Cancel a Credit Card

Once a credit card has outlived its usefulness, it might be a good idea to replace it with a friendlier card. You... read more »

Eric Bank

By: Eric Bank • 4/19/16

Guide

96,792 views

5 min read

Financing College With Bad Credit (4 Loan & Grant Options)

Financing College With Bad Credit

Whether you’re an adult looking to go back to school or a parent funding your children’s education, it’s important... read more »

Eric Bank

By: Eric Bank • 3/14/16

Blog

99,126 views

3 min read

What Is a Charge-Off? (4 Things to Know)

What Is a Charge-Off?

Your credit card company or other creditor may charge-off your debt if you are seriously behind on your payments. A... read more »

Eric Bank

By: Eric Bank • 3/7/16

Guide

100,000+ views

3 min read

Chase Bank — Personal Loans for Bad Credit (2 Options)

Chase Bank — Personal Loans for Bad Credit (2 Options)

Chase Bank is one of the most respected financial institutions in the country. Unfortunately, Chase doesn’t grant... read more »

Eric Bank

By: Eric Bank • 12/23/15

Guide

80,289 views

3 min read

3 Car Repair Financing for Bad Credit Options

3 Car Repair Financing for Bad Credit Options

When you need a car to get to your job, it has to remain in good working order or your livelihood is threatened.... read more »

Eric Bank

By: Eric Bank • 11/24/15

Blog

100,000+ views

5 min read

“Are Reverse Mortgages Bad?” Finance Expert’s Pros & Cons

Are Reverse Mortgages Bad?

A reverse mortgage is money you borrow based upon the amount of equity in your home. Under the right circumstances,... read more »

Eric Bank

By: Eric Bank • 11/18/15

Guide

100,000+ views

3 min read

How to Find “Nominal” Interest Rate | A User-Friendly Guide

How to Find Nominal Interest Rate

The nominal interest rate, also called the annualized percentage rate (APR), is the annual interest you pay for... read more »

Eric Bank

By: Eric Bank • 7/16/15

Guide

100,000+ views

7 min read

How to File “Chapter 7” Bankruptcy Yourself | The 8 Steps

How to File Chapter 7 Bankruptcy Yourself

Chapter 7 bankruptcy is designed to relieve you of unsecured debts, such as medical expenses. There is no rule that... read more »

Eric Bank

By: Eric Bank • 6/1/15

Blog

100,000+ views

3 min read

9 Things You Should (And Shouldn’t) Say to a Debt Collector

9 Things You Should (And Shouldn’t) Say to a Debt Collector

The Fair Debt Collections Practices Act helps protect you from predatory debt collectors when you’ve missed a bill... read more »

Eric Bank

By: Eric Bank • 5/5/15

Guide

100,000+ views

5 min read

How to Write a Letter of Explanation for Credit Problems

How to Write a Letter of Explanation for Credit Problems

Folks can experience financial problems at any time — problems that muck up their credit reports and hamper their... read more »

Eric Bank

By: Eric Bank • 4/14/15

Blog

100,000+ views

3 min read

Credit Bureaus Adopt New Consumer Dispute Procedures

Credit Bureaus Adopt New Consumer Dispute Procedures

The three major U.S credit bureaus — Experian, TransUnion and Equifax — reached an agreement with New York State... read more »

Eric Bank

By: Eric Bank • 3/16/15

Blog

100,000+ views

3 min read

5 Penalties That Will Haunt Your Credit Reports For Years

5 Penalties That Will Haunt Your Credit Reports For Years

Your credit report packs a hefty punch that can help you access credit or destroy your prospects for many years.... read more »

Eric Bank

By: Eric Bank • 2/12/15