Understand your credit and how you can use it. Read our articles, guidelines, reviews, and tutorials to learn all about the world of Credit.
Bad credit affects people from all walks of life. A low credit score may result from expensive medical treatments, career setbacks, or improper financial management. Whatever your case, if you have bad credit, the good news is you have several loan options available. Below, we look at the best personal loans for bad credit. Best…
Saving for a down payment to buy a home is both exciting and overwhelming. When my wife and I were saving to buy our first home, I thought we’d never have enough for the down payment. But somehow we came up with the money. One of the keys to our success was saving the cash…
It’s official. Credit scores are the most confusing aspect of personal finance. The FICO formula largely remains a mystery. And don’t get me started on the multiple versions of credit scores out there. Learning how to start building credit has become critical to your financial success. By one account, you may have 49 different FICO…
Improving your credit score and profile is an important part of achieving financial health. With an excellent credit score, you can be approved for the best credit cards, mortgages with the lowest rates, and auto loans at low to no interest. Without one, you’ll find yourself spending tens if not hundreds of thousands of dollars…
Have you been unable to get a credit card or a loan because of bad credit, or no credit? Credit builder loans are a way to get around that problem. You make a deposit into a savings account, that acts as security for a credit card for the same amount. You use it just like…
If you’re looking to buy a new home – particularly if it’s your first home – you’re probably asking yourself a few big questions. “How much house can I afford?” is likely at the top of that list. It makes sense, too, as this is a pretty significant concern. Ensuring that you can not only…
In a world where identity theft seems pandemic, spending between $10 and $20 a month might seem like good insurance against the nightmare that is identity theft. However, like with most products, it’s important to know exactly what you’re buying. Even more importantly, you need to be aware of the fine print. The last thing…
Some financial gurus argue that a credit score is really just a debt score. On one level, this perception is correct. Your credit score does have a lot to do with how well you manage debt. But the idea that you must take on debt over the long term in order to build your credit…
Debt is a major problem for many Americans. For some, their debt isn’t a problem because it is so-called good debt, such as a mortgage. But for many, their debt is in the form of credit card balances, payday loans, or other expensive forms of debt. When you’re in debt, it can feel like an…
