What steps should I take if I have an IRA account?

The typical investment mix of long-term loans and securities may turn out to yield lackluster results. Banks may have another investment option: consumer credit.

Budgeting is a lifelong money management skill that can help you control your spending, save for the unexpected, and build a strong financial foundation. 

Your credit utilization rate measures the balances of your revolving accounts against your credit limits. Naturally, your ratio can influence your credit scores. A low utilization rate could improve your credit scores while a high utilization rate may hurt them.

Auto loan refinancing is when you use a new car loan to pay down your old loan—often with a lower monthly payment or interest rate. 

Debt consolidation is a debt management strategy that uses methods like a debt consolidation loan to combine multiple debts into an easy-to-manage monthly payment—usually with a lower interest rate.[1]

LendingClub offers IRAs by partnering with custodians. As of January 11, 2018, LendingClub's preferred IRA custodian is IRA Services Trust Company (ISTC).

A focus on how to add and withdraw your money from your IRA.

LendingClub Bank offers loans up to $50,000.

At LendingClub Bank, we care about your financial health. We make it easy for you to make payments that keep your account on track.

If you believe that your credit report contains inaccurate or incomplete information, you can dispute it directly with the agency that’s reporting it.

{noun} A type of credit that allows the borrower to make charges and payments against a set borrowing limit, paying interest only on outstanding balances.

{noun} The total annual cost to borrow money, including fees, expressed as a percentage.

{noun} The amount of unpaid interest that has accumulated as of a specific date, either on a loan or an interest-bearing account or investment. 

A debt that is written off as a loss because the financial institution or creditor believes it is no longer collectible due to a substantial period of nonpayment.

{noun} An interest rate that remains the same for a set time, usually for the life of the loan.