Should You Pay Off Your Credit Card in Full?

You may have been told that paying off your credit card in full is a good thing to do, or maybe you were told that you shouldn’t pay it off in full because having a balance helps your credit. The truth is neither is right or wrong, depending on your situation. Let’s say that you have […]

Understanding Your Rights with Debt Collection

Owing money can be an absolute nightmare for many people and, in some cases, can cause physical and mental health issues. Getting harassing calls from creditors can be extremely stressful for most people, as many of these creditors can make threats, call at different times of the day, causing you to wake up early or lose […]

Planning for Retirement at Any Age

It’ѕ fіnаllу hарреnеd – after 40+ уеаrѕ іn thе workforce thе brаѕѕ rіng оf rеtіrеmеnt іѕ сlоѕе tо your rеасh. Hоwеvеr, before уоu mаkе thаt transition from thе daily grіnd tо ѕlееріng іn оn thе wееkdауѕ, do you know if уоu аrе really рrераrеd fоr the сhаngе? Hеrе аrе some things you should dо tо […]

Smart Ways College Students Can Use Credit Cards

Building credit can be a scary thing, especially for young students in college taking their first steps out of the safety nets of living at home. But the truth is it doesn’t have to be a scary thing, it’s not even really a hard thing to do. There certainly is, however, a right way to […]

How Poor Credit Affects You

Poor credit score - how poor credit affects your life

There’s not many things that can affect your life more than bad credit, which is why it’s important to understand how poor credit affects your life, and that includes more than just financially. Let’s dig in and get a better understanding of how your poor credit can affect your life. What is Poor Credit? Most […]

What Kind of Credit Score is Needed to Buy a Car?

Woman purchasing a new car

What kind of credit score is needed to buy a new car? Can you even buy a new car with bad credit? These are questions that I’ve dealt with a lot during my time selling new and used cars through many dealerships. It’s an extremely difficult question to answer due to the dynamics involved, but I hope […]

Can You Get Items Removed From Your Credit Report Immediately?

Question: Is it possible to get negative items removed from your credit report immediately? Answer: Unfortunately, no. Removing negative items will take time to remove as it will require a few days to get your credit repair letters written (by hand, hopefully), mailed by certified mail, and then opened by the credit reporting agencies that have […]

What Is APR and How Does it Affect You?

What is APR - Annual Percentage Rate

It seems that just about everything you purchase these days has mentions of APR, yet there’s not a lot of talk about what these 3 letters stand for, nor how they work. So I’m going to attempt to break it down to the best of my ability. Feel free to add any comments, tips or […]

How to Pay Off Credit Card Debt

how to pay off credit card debt

Credit cards can make or break our credit, and with the way the economy is, it can cause piles of debt and a ton of stress. Was it worth it? Probably not. Want to learn how to pay off credit card debt and get rid of the headaches? Follow along as we do our best to show […]

What is a Balance Transfer

The term credit card balance transfer comes up a lot these days, especially with new credit card offers, but how do they work and are they good for your credit? Should you take advantage of a credit card balance transfer? What is a Balance Transfer A balance transfer is simply the process of moving a […]