Setting Up a budget? Try These Budgeting Formulas To Get On Top Of Your Money
You know you need a budget. But where do you actually start? How much should you be spending? In this…
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What Are Index Funds, and What Are Their Benefits?
What Are Index Funds? Should You Invest in Them? One investment option that new and experienced investors both hold are…
15 Personal Finance Podcasts for Every Stage in Life
Personal finance podcasts for every stage in life Personal finance podcasts seem to have exploded in recent times (or is…
6 Ways to Get Out of Debt Fast
Let’s cut straight to the point. Being in debt isn’t fun. Instead of enjoying life to the fullest, you lose…
7 Money Metrics You Should Be Tracking On The Regular
How do you know if you’re really making progress with your finances? You don’t necessarily need to be across every…
Should I Pay Off My Mortgage Early?
Many homeowners with extra income have a decision to make. Do you pay off the mortgage early or invest your…
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…
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…
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.…
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…
How Poor Credit Affects You
There’s not many things that can affect your life more than bad credit, which is why it’s important to understand…
What Kind of Credit Score is Needed to Buy a Car?
What kind of credit score is needed to buy a new car? Can you even buy a new car with bad…
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…
What Is APR and How Does it Affect You?
It seems that just about everything you purchase these days has mentions of APR, yet there’s not a lot of…
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…
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…
Credit Repair: The Roadblock to Financial Success of Every Consumer
When looking for ways to repair your credit, don’t pay a company for a service that you can do on…
Credit Cards That Help Build Credit
Many people struggle with credit, but this is fairly normal in this day and age, especially when you consider the…
6 Sites to Get Your Credit Report For Free
Checking your credit report or your credit score doesn’t have to cost you money. There are quite a few free…
How to Add Tradelines
What Are Tradelines Tradelines are important for establishing credit, as “tradelines” are simply accounts that appear on your credit profile. For example,…
Raise Your Credit Score in 90 Days
How to Raise Your Credit Score 100 Points in 90 Days Note: this article does not guarantee you will be…
Method of Verification Letter Example
I recently wrote an article about method of verification and even mentioned the subject in my article on how to fix your…
What is a Soft Inquiry?
Question What is a soft inquiry and how does it affect my credit? Answer Inquiries occur anytime a company decides…
What is a Hard Inquiry?
Question What is a hard inquiry? Does it hurt my credit score? Answer There are 2 types of Inquiries that…
Understanding Your Credit Report
[vc_row][vc_column][vc_column_text]So you’ve pulled your credit report, but you aren’t exactly sure what you’re reading. Don’t worry, that’s pretty common. Most…
How to Repair Your Credit in 3 Easy Steps
[vc_row][vc_column][vc_column_text]There’s not a lot of secrets when it comes to repairing your credit, although many people would like to have…
What Identity Thieves Want to Steal From You
[vc_row][vc_column][vc_column_text]No matter what part of the world you may currently be in, Identity Thieves are lurking. They want to cause…
Can You Buy a Home With Bad Credit?
[vc_row][vc_column][vc_column_text]Trying to buy a home with bad credit can be a nightmare. Having bad credit can cause a lot of…
Credit Repair Deletion Letter Template
Credit Repair Deletion Letter Template In this article I will go over a simple template for creating your own deletion…
How To Remove All Negative Items on Your Credit Report
[vc_row][vc_column][vc_column_text]WARNING: Disputing Legitimate Items (items that do, indeed, belong to you) is Fraud. Please do not attempt to remove items that…
How to Establish New Credit
[vc_row][vc_column][vc_column_text] How to Establish New Credit Building new credit sounds like a hectic task, but it’s quite easy. In fact, if…
What Should I do if my Identity is Stolen?
What Should I do if my Identity is Stolen? If you believe that your identity has been stolen, you need…
How to Recognize Identity Theft
[vc_row][vc_column][vc_single_image image=”200″ border_color=”grey” img_link_target=”_self” img_size=”full”][vc_column_text] How to Recognize Identity Theft In 2013 alone, there were 11,571,900 Identity Theft cases reported, costing consumers over $21…
Are PayDay Loans Worth It?
[vc_row][vc_column][vc_single_image image=”195″ border_color=”grey” img_link_target=”_self” img_size=”full”][vc_column_text]Millions of Americans fall into this trap. They run into financial issues and they run out…
Getting Credit Cards With Bad Credit
[vc_row][vc_column][vc_single_image image=”188″ css_animation=”appear” alignment=”center” border_color=”grey” img_link_target=”_self” img_size=”full”][vc_column_text] Getting Credit Cards With Bad Credit Getting a new credit card with bad…
How to Increase Your Credit Score
[vc_row][vc_column width=”1/1″][vc_single_image image=”282″ alignment=”center” border_color=”grey” img_link_target=”_self” img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text] How to Increase Your Credit Score Regardless of the amount of money you…
Do Free Credit Scores Hurt Your Credit?
[vc_row][vc_column width=”1/1″][vc_single_image image=”284″ border_color=”grey” img_link_target=”_self” img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text] Question: Do Free Credit Scores Hurt Your Credit? Answer: There’s a lot of new free…
How often should I check my credit score?
Question: How often should I check my credit score? Answer: You should keep a close eye on your credit score/profile…
Credit Unions vs Banks
[vc_row][vc_column width=”1/1″][vc_single_image image=”287″ alignment=”center” border_color=”grey” img_link_target=”_self” img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text] Credit Unions vs Banks In the fall of 2008 we witnessed one of…
What is a VA Loan and Who is Eligible
[vc_row][vc_column][vc_single_image image=”168″ css_animation=”appear” alignment=”center” border_color=”grey” img_link_target=”_self” img_size=”full”][vc_column_text] What is a VA Loan and Who Qualifies? The Department of Veterans Affairs…
What is Vantage Score?
VantageScore is a scoring system that was created in 2006 by all 3 bureaus (Equifax, Experian and TransUnion). It’s owned…
What is the Difference Between Good and Bad Credit?
[vc_row][vc_column width=”1/1″][vc_single_image image=”267″ alignment=”center” border_color=”grey” img_link_target=”_self” img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text] What is the Difference Between Good and Bad Credit? It would be easy…
How Credit Scores Work
How Do Credit Scores Work? Credit Scores are used by most creditors, and we’re being marketed to, almost on a…
What’s The Difference Between a Soft Pull and Hard Pull for Credit Reports?
Inquiries can appear on your credit report and even bring down your credit score, depending on the type of pull that…
What is a Credit Report and Why is it Important?
Your credit report is, as simple as it sounds, a report of your credit history. Your credit history starts from…
Student Loans – Are They Worth It?
Being a student these days is expensive, there’s no doubt about that. However, how expensive is it, and is it…
Method Of Verification
If you’ve read some of our articles regarding disputing negative items on your credit report, you may have noticed that…
How Can I Get My Credit Report for Free?
How Can I Get My Credit Report for Free? There are many ways to get your credit report, even for…
How Long Do Negative Items Stay On Your Credit Report?
[vc_row][vc_column][vc_column_text]There are a lot of different things that can be reported to the credit bureaus and put on your credit…
What Are Credit Bureaus?
There’s a lot of information out there on credit-related subjects, but not so much when it comes to knowing what…
How To Dispute Credit Report Errors
[vc_row][vc_column width=”1/1″][vc_single_image image=”272″ alignment=”center” border_color=”grey” img_link_target=”_self” img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text] How to Dispute Credit Report Errors Understanding Credit Reports isn’t exactly science, but…
How Does Credit Work?
[vc_row][vc_column width=”1/1″][vc_single_image image=”259″ border_color=”grey” img_link_target=”_self” img_size=”full” alignment=”center”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text] Credit is ubiquitous in this day and age. It seems like some form…