You shouldn’t have to pay to check your credit. Here are 3 ways to get a free credit report easily.
After experiencing a student loan default, you might be wondering if you can rebuild your credit. You can, and here some effective methods!
With the news of the Equifax data breach, many people have been scared about their identity stolen – guess what? It already has been.
Many young adults in their early twenties have little or no established credit. Because of this fact, they have very few options for finding housing and buying a car (we’ve talked about this struggle before here). Too many young adults ignore the importance of building credit until it’s too late. At that point, the options to […]
Knowing how to manage money properly is a MUST & can either make or break your financial goals. Here are 5 money musts you need to know.
The conversation surrounding student loans is typically pretty negative – and for good reason. Loan rates are rising, and student loan debt is an epidemic affecting millions of Americans. But did you know that student loans can be a good thing? While frustrating to pay back, student loans are also a great way to build a […]
One of the most thrilling parts about growing up is detaching yourself from any monetary support systems you may have and becoming financially independent. Learning how to do so can be quite challenging for many though. Numerous college grads and students have financial responsibilities such as rent, health insurance, auto insurance, cell phone plans and […]
Debt is the American song that we as a country just can’t stop singing. With a rising collective national debt that’s in the trillions of dollars, $15,609 in credit card debt per citizen and a personal student loan debt of $32,956, it seems that this is one hole that keeps growing bigger by the year. […]
April is Financial Literacy Month, and here are five things that Americans need to do during April to tune up their finances and set up their futures.
Your credit score will be very important throughout your life. It will be used to determine if you can get a credit card as well as if you qualify for a home, auto, personal, or business loan. Lenders use your credit score to determine your creditworthiness. If you have a high credit score, lenders will […]
The last thing you worry about when you are in college is your credit, and unfortunately that means when you join the workforce and get ready to start living, you start realizing why that was probably one of the worst things you could have neglected. There is no reason for me to remind you of […]
Social media. I love it and I hate it. As a blogger it’s fun to connect with like-minded people who I would never have met in person. On the other hand I don’t use my personal accounts much at all. My Facebook feed is constantly bombarded by “selfies,” “duck faces,” and the same annoying e-cards […]
Last month, I put out a request for reader questions, and I’m excited to start sharing some of the questions and stories I received! The readers are what define this website, and so I want to continue to produce content that is relative to you! Anyway, I received a question from Renee on possibly using […]
Many different factors come into play when it comes to calculating your credit score, and each credit bureau does things just a little differently (their algorithms are secret and change constantly to try and always have the best possible risk ratings). However, there are common themes among all three bureaus that most people know about: Payment History […]
Almost five years ago, I had a net worth of negative $23K, $200 in savings, and ample amounts of credit card debt. Fast-forward to now and you’ll find a far different financial picture: A net worth of over $130K, $87K in savings, and $0 in credit card debt. Plus, I own my first home, and […]
It’s official: Mortgage rates have again hit an all-time low. With rates falling and inventory levels building, there’s never been a better time to buy your first home. There are a lot of good deals out there, but you need to make sure that you know what you’re doing so that you don’t overpay or […]
“Bad Credit” It’s such a negative term but lately it’s becoming more and more common. Each individual has their own circumstances and it doesn’t necessarily have to be because of poor money management skills. With the recent economic downfall we have experienced the last several years, more and more Americans are facing this problem. Prepare […]
A lot of financial “gurus” preach on a regular basis that you should check your credit score or your FICO score and know where you stand. Well, I’m telling you today that you SHOULDN’T! You may be saying, “Wait!!! You need to know what your score is to get a credit card, buy a house, […]
Layaway is a favorite choice among consumers and it has started to make a comeback this holiday season. What’s even more interesting – customers couldn’t be more excited. After all, what’s not to love about a service that provides the convenience of a credit card without the expensive interest rates? Sure, you’ll have to wait […]
Credit card debt has become a popular subject among families struggling with their finances. Utilizing compound interest rates, credit card companies can make getting out of debt seemingly impossible. However, many savvy consumers have found ways to turn this around on the credit card companies. Using the idea of credit card arbitrage, many have begun […]
This guest article comes from Odysseas Papadimitriou, CEO of Card Hub, a leading marketplace for credit card offers and discounted gift cards. While the Card Act—the new credit card law that took effect in February 2010—has had an altogether positive impact on the credit card industry, increasing issuer transparency and adding to consumer rights, it’s […]
When it comes to where you put your money, it can be hard to pick between a credit union and a bank. They look the same on the outside, but are they really the same type of financial institution? Which one is better for your savings and checking accounts? Here is the low down on […]