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How to Pay Down Your Credit Card Debt

Credit card debt can feel like an anchor weighing down your chances for financial progress. It can lower your credit score and reduce your options in terms of housing, vehicle purchases, and other items. Paying it down is the first step to true financial freedom and a brighter future. Here are four strategies to help…

Warning: These Things May Lower Your Credit Score

Before you apply for a loan, you should obtain a copy of your credit report. Your credit report shows how each of the three major credit bureaus rate your credit. Since each bureau has its own method of analyzing your financial history, it’s important to look at all three scores. Ultimately, these ratings may play…

Your Credit Score: How Much Has It Changed?

CFPB study reveals impact of one change to credit reporting It may be just a simple three-digit number, but your credit score plays a significant role in determining the interest rate you pay for credit cards, loans, and mortgages. Credit scoring agencies, such as FICO, use information from credit reports to rank consumers by a…

Should You Get a Personal Loan?

Every once in a while, life throws us a curveball – – an unexpected medical expense or loss of work that leaves us short on cash. When that happens, a personal loan may be needed to help provide us with the funds we need. A personal loan is money that you borrow, usually from a…

Life Insurance Simplified

Life insurance is one of the best ways to reduce the financial burden on your family in the event of an unexpected death. The options can be confusing, so how do you know which policy is right for you? In making a decision, it’s helpful to understand three basic types of life insurances available: Term,…

Drowning in Bills? Renegotiate Your Monthly Bills

Right now, you may be pouring over your budget trying to cut expenses. You’re probably taking an especially hard look at the bills that are the same amount month after month. You might be surprised to find out that it could be possible to lower those bills by doing a little bit of negotiating. Home…

Resources to Help Navigate the ‘New Normal’

If you feel like you don’t know where to go for concrete answers these days, you’re not alone. Everyone’s lives have been upended in one way or another, and the timeline for when we will be back to ‘a new normal’ is a rapidly changing situation. When “safer at home” guidelines were more or less…

The Ultimate Guide to Personal Loans: What you need to know…

According to a recent study by Finder.com, 114.4 million Americans have taken out a personal loan in the past year. While those numbers may seem substantial at the outset, they are actually not too surprising given the current unemployment landscape amid the coronavirus crisis. A countless numbers of people are finding themselves in need of…

How You Could Fix a Mistake on Your Credit Report

Credit report mistakes are more common than you think. Federal Trade Commission studies have found that almost 15% of consumers have an error on at least one of their credit reports. Try not to freak out if you find any mistakes; it’s very common and more than likely can be solved! There are several ways…

When Are Taxes Due, and What Happens If You Don’t Submit On Time?

Tax season may be overwhelming for many Americans, but it doesn’t have to be. In this article, we will help get you up to speed on the basics of filing your taxes and help you understand why it’s important to finish this process sooner rather than later. When is Tax Day? Tax Day is officially…