Newest Answers

Is Your Credit Ready for the Holidays?

December 11th, 2017 | Author:

Credit often becomes even more important or a bigger hindrance around the holidays. It can either make your holidays better because you can spend more, or it can limit how much you have to spend if you have bad credit or none at all. Here are some ways to make sure your credit is ready...Continue Reading »

How to Avoid Common Holiday Gimmicks to Protect Your Credit (and Why You Should)

December 8th, 2017 | Author:

[R]etailers look at the holiday season as their time to make money and make up for any struggles from the rest of the year. They work to come up with all kinds of ways to bring in new business during this season. However, not all marketing ploys and gimmicks are good for you or for...Continue Reading »

What Happens to Your Store Credit Card When the Store Closes

December 6th, 2017 | Author:

[S]tore credit cards are nice for a lot of users. They often come with special perks and rewards. You may get an added discount or special coupons on sales. You may gain points that can be used towards purchases. However, these benefits only work as long as your store is open. What happens to your...Continue Reading »

How Business Credit Cards Affect Your Credit Score

December 1st, 2017 | Author:

[B]usiness credit cards are a great option for people who own a small business. It allows them to use credit to pay for purchases or expenses when they have limited or delayed cash flow. It also makes it easier to keep personal and business expenses separate. You should know that if your personal credit history...Continue Reading »

Reasons Why Your Credit Application May be Rejected Even with Excellent Credit

November 29th, 2017 | Author:

[I]f you have been told you have excellent credit or your credit score is in the upper 700s or even 800, you may think the sky's the limit on applications. You get a wake-up call when a creditor tells you that your application has been rejected. How could this happen to someone with excellent credit?...Continue Reading »

Reasons Why an Online Bank Can Help Your Financial Status (and Your Credit)

November 28th, 2017 | Author:

If you’re like most people, you get into trouble with your credit because you don’t have enough money to pay the bills on time. You may live too close to the max of your budget or have too many unexpected expenses come up. If this sounds like you, then you’ll want to look for ways...Continue Reading »

Why Your Credit Score Matters If You’re a College Student

November 17th, 2017 | Author:

[Y]ou don’t have much money and any you do have goes towards paying your college expenses. You may wonder why a credit score even matters at this stage of your life. If you haven’t given it much thought before, you need to become aware of it now. Your Future Depends On It Your credit rating...Continue Reading »

What You Should Know about Credit and Car Insurance

November 15th, 2017 | Author:

[I]f you have poor credit, you probably know it will impact your ability to get a credit card or loan. However, it can also influence how much you will pay for car insurance. The connection between credit rating and car insurance may seem odd to consumers, but it is an essential combination for insurers. Taking...Continue Reading »

What You Need to Know about Disputing Information on Your Credit Report

November 13th, 2017 | Author:

[I]f you check your credit reports, there is a good chance that you might find an error. Statistics show that one in five credit reports contain errors. That’s not good news for consumers who rely on credit reports for new credit and loans. However, you can dispute any errors and get them corrected. How to...Continue Reading »

What You Must Consider about Consolidating Debt

November 10th, 2017 | Author:

[Y]ou have a hard time keeping track of the bills you have to pay. With multiple credit cards and more than one loan, it’s a wonder you keep it all straight. You may wonder if a debt consolidation loan is right for you. Before you go this route and try to find a way to...Continue Reading »

Understanding What Charged-off Means

November 8th, 2017 | Author:

[I]f you’ve looked at your credit report recently, you may have noticed that an account says Charged Off. You may not be sure what that means for you and for your credit score. It’s an important term you should understand to help you improve your credit score. A creditor will charge off your account if...Continue Reading »

Start Saving for the Holidays Now

November 6th, 2017 | Author:

[I]n reality, you should have a savings plan all year long for the holiday season. However, it’s never too late to start. Whether you buy gifts for a lot of people, host dinners or just go out and enjoy all of the holiday activities, it usually costs a lot of money during this time of...Continue Reading »