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The key to a budget is tracking expenses and categorizing them as needs (i.e. insurance, housing, transportation, electricity, food, medicine, work clothing, and minimum payments on debt) and wants […]
How can those who currently aren’t saving afford to save money? And how can those saving only a little save more? Here are nine tips for saving money when budgets are tight […]
Whether you’re planning to save for college or retirement, your debt challenges are unique, we understand that. This guide designed to help you save money and get out of debt, yet the entire process of doing so is easier said than done[…]
The purpose of consolidation is to get a lower interest rate so you can pay off your debts faster and for less money. Most people start looking for consolidation loans when they find themselves only being able to make minimum payments on their cards.
It’s something most consumers dread, a debt collector calling to ask about an unpaid credit card debt, past due student loan or medical debt. Here are 9 tips for dealing with debt collection […]
Writing a debt settlement letter can be a tricky process for a beginner. This process involves creating an attractive pitch to a creditor that your settlement is worthy enough for them to wipe out your debt balance. Here are a few tips to follow[…]
After years of making payments on a home mortgage, the home starts to build equity. A home equity loan is when the homeowner takes out a loan using the home as an asset to get a lower interest rate.
First off, to get a personal loan you will need to have a good credit rating. Applying for a loan with a poor credit rating will most likely lead to denial. Or if you do find a willing lender with a poor credit score, the interest rate will likely be sky high.
Cars are fickle things that require a lot of maintenance. Oil changes, tire rotations, and yearly tune-ups are all part of owning a vehicle. Unfortunately, the financial aspect of purchasing a car can be equally fickle, especially if you’re in debt. Debts are more of a factor than ever in purchasing a new auto: Experian […]
When you apply for a credit card, a personal loan, or insurance, a file about you is created. This file, known as your “credit report,” is maintained by credit reporting companies. Your report will grow to include […]
Building credit can be challenging when you don’t have any credit history to your name, and many don’t know where to start. You may or may not get approved for a credit card, auto loan or that apartment for rent if your credit history hasn’t been established. Here are three ways to shape your credit […]
Almost every US citizen knows her or his Social Security number by heart, even if it’s a meaningless series of digits. But too few of us know our credit scores. And unlike an SSN, your credit score has a profound effect on your finances and future. Credit scores are notoriously fickle things. Yet they can […]
Major security breaches have become too common of a story, with retailers and websites hacked with alarming frequency. It has become so common that it can often take a fairly egregious breach – think SONY in 2014, or Target in 2013 – for something to become a high-profile news story. Stealing and selling personal information […]
Some lenders require a social security number with a clean credit history, but don’t necessarily check that the borrower’s name matches the number, so thieves can get away with using social security numbers that aren’t assigned to anyone at all. Your child’s identity can be at risk at any point in life. Children are easy […]
Before the Credit Card Accountability, Responsibility, and Disclosure or CARD Act went into effect in 2009, it was a much more common sight to see credit card companies setting up kiosks welcoming students to campus, offering swag in exchange for filling out an application for a college-affinity card. Credit cards branded with the logo and […]
