Newest Answers

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

November 17th, 2017 | Author:
h

[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:
h

[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:
h

[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:
h

[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:
h

[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:
h

[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 »

How Unemployment Benefits Can Help

November 3rd, 2017 | Author:
h

[W]hile you may be aware of unemployment benefits if you lose your job through no fault of your own, you may not think you qualify or will be able to get them. However, they can be a lifeline until you are back on your feet with a new job. File ASAP Many people don’t get...Continue Reading »

How to Know When It’s Time to Redo Your Budget

November 2nd, 2017 | Author:
h

[Y]ou’ve created a budget and you’ve been working to follow it faithfully. At some point, you may need to redo it to allow for changes in your life or to improve your circumstances. Here are a few ways you know it’s time to work on a new budget. You Don’t Have an Emergency Fund If...Continue Reading »

How a Virtual Credit Card Can Protect Your Identity

November 1st, 2017 | Author:
h

[C]onsumers are often wary of shopping online. And they should be, with all of the identity theft you hear about in the news. Well-known and trusted companies get hacked, which results in stolen information for thousands of unsuspecting people. One of the biggest areas of concern is for people to get your credit card number....Continue Reading »

Do You Need a Financial Mentor?

October 23rd, 2017 | Author:
h

[S]chools often encourage mentorships for students. Some employers have mentor programs, pairing new employees with those who have many years of experience. Mentors can offer encouragement, advice and accountability to those who need it. Anyone who struggles with their finances may want to consider finding a mentor. Having someone to be accountable to and someone...Continue Reading »

Common Myths on Building Credit

October 21st, 2017 | Author:
h

If you are just starting out on your own, you may have a hard time getting credit cards or loans because of a lack of credit history. You must build credit to get access to the best credit cards and loans, but you can mess things up if you don’t know how to do it...Continue Reading »

3 Things to Do When You Know You Can’t Pay a Bill

October 20th, 2017 | Author:
h

One of the worst feelings you can have is when you have a bill coming due and no way to pay it. You have either spent all of the money or you have to spend it on something more important. You don’t want to have to deal with those phone calls from creditors because you...Continue Reading »