Blog Archives - Debt to Zero
Category Archives for "Blog"

What Is a Good Credit Score?

iPad and news paper

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 […]

Learn More

5 Ways to Reduce Your Monthly Budget

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 […]

Learn More

12 Steps to a Better Credit Score

build a better credit score

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 […]

Learn More

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 […]

Learn More

A Basic Guide to Understanding Your Credit Report

iPad and news paper

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 […]

Learn More

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 […]

Learn More

Creating a Strategy To Pay Off Your Debt

When a recent survey found that some 63% of Americans would be unable to handle an unexpected $500 expense, many in the financial community were shocked.   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 […]

Learn More
>