Your credit report is more than simply a tool for potential creditors and lenders to determine your credit worthiness. It contains a plethora of personal data you can leverage to improve your financial life. Here are four ways you can use your credit report to...
Just about every time a customer walks up to a register to make a purchase a store credit card is offered or recommended. “Would you like to save 15% by applying for our store card and earn an extra $20 off of your purchase today?”...
According to the St. Louis Federal Reserve, the American government, businesses, and people are nearly $60 trillion in debt. It is reported that private debt makes up the large majority of this deficit. We live in a culture where capitalism is King. It has become socially...
You may have heard about the sky scraping credit scores of others. Knowing that credit scores can reach into the 800’s, there is no doubt that the burning question in your mind may be, “How can I get there?” The good news is that excellent...
Lift one hand if you've heard the term “Credit Score” before. Lift the other if you’ve ever heard the word “FICO”. If you have both hands in the air, you are very good at following directions! A little humor is good for the soul. But, misunderstanding...
Maintaining a high credit score is the best way to get what you want or need without having the cash immediately available. If we're honest with ourselves, there have been times when we've all wanted something we couldn't actually afford to purchase outright. This is where...
"If I only knew then what I know now, oh the things I would have done differently!" Many young adults find themselves pondering these words when moving from economic instability to financial adulthood. If you've had trouble managing your debt as a result of poor choices or unfavorable...
You haven't checked your credit score in a while, and you have finally decide to do it. To your horror, it is much lower than you anticipated. In previous years you would have been much less concerned, “I’ve got time to build my credit” you...
Your FINAL final is completed, grades posted, degrees conferred, and tassels turned. You did it! Most scholars can reasonably expect to graduate with tens of thousands in student debt. If you've had trouble managing your debt as a result of poor choices made during your...
Being in business is about the bottom line. The business of credit, financing, and loans is no different. Creditors and lenders typically do all they can to avoid writing off debt. They know that with the proper motivation people can usually come up with some way...
