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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 […]
We’d all like to have a little less debt in our lives, but what’s stopping us? Many consumers don’t have the financial means to do fun activities while they are swimming in debt. Or, they don’t want to sacrifice their social life to their debt, so they continue to add more or ignore it. Paying […]
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 […]
Most of us are fairly generous people, and we want to help a family member or friend when we can. But the fact is, a person who can’t get a personal loan from a traditional source often has damaged credit or no credit, both of which make such a borrower a greater credit risk. (There are also […]
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 […]
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 […]
