Should i disavow all backlinks?

[briananglin]

I am facing a decline in my website over the past 90 days

Im wondering if this is due to the recent penguin update.

Can someone please give me some guidance?

heres my site: USDALoanagency.com

[Sarbs]

This particular update was targeted at Google.co.uk so not sure if this would have particular impact on you. As it happens this is an area we are watching very closely as we work with some (legitamate) UK Payday loan companies, very interesting period there right now.

[briananglin]

Thanks for the insight guys!

What do you guys think is the best way to remove bad backlinks,

or better yet, how do you identify a "bad backlink" versus a good one?

[AndieF]

Google did recently release a "Payday Loan" update to punish quick loan sites, you may have been impacted by that. https://support.google.com/adwordspolicy/answer/1314225?hl=en-GB

By all means get rid of any bad links, but be careful not to disavow good links. That certainly wont help you out.

[Sarbs]

I'm going to start this response with an apology, i am unable to look at your site right now but the question title caught my attention and that's what i wanted to pop a quick response on here about.

You should not need to disavow an entire link profile, IF the ranking drop is link associated then it will relate to certain links, you need to identify the suspicious ones and remove these. now these may mean disavowing entire domains as explained in this post on SEO round table, but not everything.

Additionally the disavow tool should be used as a last resort. For suspicious links first attempt to contact a webmaster to get the links removed and document that communication. Only if this approach fails should you use the disavow tool. But there could be many reasons you are seeing a decline in rankings.