​Life & Money Archives - Debt to Zero
Category Archives for "​Life & Money"

What Is a Good Credit Score?

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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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12 Steps to a Better Credit Score

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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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6 Easy Steps to Financial Success

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 […]

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A Basic Guide to Understanding Your Credit Report

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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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4 Basic Steps to Repairing Your Credit

Having bad credit means dealing with higher interest rates, credit card fees, and sub-prime loan rates, and loan applications being denied. 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 seven to 10 years. But there is something you can do […]

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Emergency Fund: Your Lack Of One Is An Emergency

You hear the advice about emergency funds all the time. Experts say that you should have 3-6 months of expenses in an emergency fund to cover unexpected job loss, medical bills, or major home repairs.To someone that may be living paycheck to paycheck, saving 3-6 months of expenses seems impossible, so they don’t even start […]

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