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credit Tag

01 Feb Not all debt is created equal

Death and taxes. Inevitable facts of life, right? What if I were to add debt to that famous duo? Death, taxes, and debt. It may not have the same ring to it, but for most of us, debt is just as sure a thing. But is all debt bad? Sure, we’ve all made some bad financial decisions. Maybe you’ve recovered from yours, or maybe you’re still paying off that tropical getaway charged to your Visa. Or regretting that brand-new car smell you had to have instead of hitting up the used car section. The thing about that new car is...

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07 Sep 7 ways to save money while paying back credit card debt

Excessive credit card debt can put a hold to anyone’s finances. At the worst of times, you may be forced to put your life on hold. At the best of times, it’s an annoying thorn in your side. It can be a costly problem above all. There are many ways to pay off credit card debt. The question is how to pay off credit card debt without going broke. It’s not easy, but it is possible to do it and save money. It can be done in several different ways. Each method requires you to be resourceful and smart about your...

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31 Aug Build your credit from scratch

Build your Credit from Scratch   Think of your credit like your financial resume. And whether you’re applying for a new house, car or just a new cell phone plan, experience is the most important thing. While that simple fact puts a lot of pressure on your financial past, the good news is that if you’re starting from scratch, building credit doesn’t have to be complicated. And improving your credit doesn’t have to be a headache either. Take some simple steps now so that a globe-trotting vacation or low insurance rate becomes more than just a pipe dream. 1. Get a credit card I know...

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17 Aug Improve your credit score

Improve Your Credit Score   True or false: Your income influences your credit score. I know what some of you are thinking. A lender looks at your income to see how much you can borrow, but that’s another story. What about that three-digit score? False. Your income doesn’t influence your credit score. If you answered differently, you’re not alone. In fact, many Americans don’t quite understand what factors determine their credit score and how to improve it. What most of us do know is that a high credit score helps us get lower interest rates, avoid deposits on utilities and cell phones, and obtain faster approval...

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