Bad credit means dealing with higher interest rates, credit card fees, and mortgage loan rates. Let’s cover cover 4 Basic Steps to Repairing Your Credit. Unfortunately, a history of late payments, debt collections, charge-offs, foreclosure, repossession, and bankruptcy have a negative effect on your credit score. Credit problems can last 7 to 10 years. But there is something you can […]
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When it comes to personal finance, our habits can really make or break us. When we’re able to adopt positive financial habits, the benefits are endless: a better credit score, less financial-induced stress, a bigger savings account balance…the list goes on and on. Unfortunately, many of us have also taken on financial habits that could […]
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What is a good credit score? Well, when it comes to borrowing money, a good credit score is everything. It’s one of the main factors lenders and financial institutions use to decide how much of a “credit risk” you are, meaning how likely is it that you will default on a new credit card or […]
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Debt is a serious concern for many American families. In fact, 80 percent of the U.S. population is mired in some form of debt including credit cards, mortgages and student loans.
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If you are struggling to climb out of debt or just finding it difficult to set money aside for savings, it is probably time to reevaluate your budget.While this might seem easier said than done, there are probably excess expenses you can trim from your budget without drastically changing your lifestyle.1. Reduce Grocery Store SpendingYou […]
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1) Check Your FilesThe first step toward better credit should always be to ask for copies of your credit files from each of the major reference agencies, TransUnion, Experian, and Equifax. Carefully check the information they contain, making sure it’s all correct, up to date, and actually applies to you. Even small mistakes can impact […]
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Success with money means different things to different people. Some wouldn’t consider themselves financially successful until they have a million dollars in the bank, while others just want to take a yearly vacation.If you want to succeed with money, get started now by following these six steps.Step 1: Define SuccessDefine financial success. It might mean […]
Learn More Your credit report is one of the most important documents of your life. Banks, lenders, and other businesses use your credit report to make financial decisions about whether to do business with you and how much they will charge. A good credit report – one with positive information about your borrowing habits – leads to a […]
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Saving money is one of the most essential, but challenging part of financial success. You know it’s important to consistently put money in your savings account, but building a regular habit is still tough. For some families, finding the money to put in savings is the hard part. No worries. We have you covered with six […]
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A recent survey found that some 63% of Americans would be unable to handle an unexpected $500 expense, this information shocked many in the financial community. Americans themselves, however, were far less surprised. They know that they are living paycheck to paycheck, a lifestyle that more than three-quarters of workers freely admit to. It is also worth […]
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