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When To Close A Credit Card
There are few times when you want to close a credit card. For the most part, closing a credit card adversely impacts your credit score. However, if you do want to close your card, when is the best time...
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When To Refinance A Car Loan
Many borrowers do not get the best terms when they agree to an auto loan. This leads to borrowers wanting to refinance their loan down the road. When is it a good idea to refinance your car loan? Has...
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Know Your Rights When A Debt Collector Calls
If you have fallen behind on a loan and have missed a payment, there is a good chance that a debt collector may be calling you. Your first thought may be to panic or get upset. However, you have rights...
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Should you get a prepaid credit card?
A prepaid credit card is something that can be used to pay for purchases in much the same way that other credit cards are used. They are meant to be used by those that would like to make sure that they...
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Reasons To Go Into Debt
Debt is a word that many people do not wish to hear. In some instances, debt has been such an unwanted word that people have decided to harm themselves or others just to relieve the stress of it....
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Are You in Too Much Debt?
It is relatively common to accumulate debt over the course of one’s lifetime. After all, most people find that they need to receive financing in order to make major purchases such as buying a home,...
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Top 5 Credit Card Perks
When you’re deciding upon a brand new credit card, it can be difficult to sort out the many options available. Some cards offer travel miles. Others offer cash back. Some offer cool online tools for...
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How to Fix an Error on Your Credit Report
Your credit report is an important piece of your financial arsenal. Companies use this report to determine your eligibility to loans, including car loans and mortgages, and some employers may even look...
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Easy Ways to Boost Your Credit Score
Whether you’ve had some recent credit issues or you simply want to raise your score as high as you can, raising your credit score takes time and dedication. It’s very easy to lower your credit score,...
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Fair Credit Collection Practices
When most people receive their first credit card or installment loan, they never consider the possibility of defaulting. After all, the initial payments are manageable and small enough to afford. After...
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The Cost Of Making Minimum Payments
If you are looking to get out of debt and start saving money towards a better financial future, then one of the first things you may want to do is to assess your current debt situation. If you have...
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Biggest Debt Don’ts
The average American owes more than seven thousand dollars in credit card bills. The biggest debt don’ts include what you do when you go shopping and after you get married. We’ll explain.
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Less Young People Are Relying On Credit Cards
In the past, people relied on their credit cards to pay their monthly expenses. When this happened, plenty of consumers fell into massive amounts of debt and had difficulty repaying the loans. However,...
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The Real Cost of Student Loan Debt
Go to college, they said. You’ll get a job, they promised. The loan repayment will be worth it once you’re employed. This list of promises continues for students who are deciding whether or not they...
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Signs You Might Be Headed For Financial Trouble
Would you recognize the signs of financial trouble in your life? Just like you need a check up from your doctor, your finances also need a check up.
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Cash vs Credit: Which is Better Right Now?
It’s an age old question: Should I pay with cash or credit? With so many consumers returning to work and paying off debt, many wonder if they should give up credit cards for good. Here are five things...
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Signs of Financial Trouble
Financial problems can easily spiral out of control if they are not tackled quickly. Here are some signs that you might be heading for financial trouble. Unopened Mail Broken piggy bank Credit cards...
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Are Credit Cards Making Us Stupid?
Between 70 and 80 percent of Americans have a credit card. The good news is that using a credit card makes transactions faster, easier and less frustrating. However, the ease of use is also making us...
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Building Blocks of Good Credit
A person’s credit history is a way for companies to quickly paint a picture of someone’s financial life. Credit histories encompass different areas that include credit card payments, loans and any...
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Are Student Loans Crushing You? How to Repay Your Loans
In 2013, the average graduate walked off the stage with a diploma and an average of $26,000 in student loans. With unemployment still at record highs, graduates are finding it harder to pay off these...
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