Over 183 million Americans have at least one credit card. Others don’t have a credit card but have other types of credit, such as student and auto loans. Having any kind of credit makes you a credit-active consumer. This means you have a credit … [Read more...] about What Lowers Your Credit Score and How to Long Does It Take to Repair Your Credit?
There are many people who view their credit card as a tool to carry them between paychecks, while others might see it as a card of instant-gratification. For the old-timers, lines of credit and borrowing money was highly discouraged. This demographic … [Read more...] about FICO and You: Making It Work
Your credit score may be just a number to you, but it can have a huge impact on your life overall. This is the key indicator lenders use when determining your credit worthiness and risk potential. Even if they agree to loan you the money, your credit … [Read more...] about Factors That Affect Your Credit Score
The holiday season is just around the corner. But before you get a headstart on your online shopping, it's important to remember that the holidays aren't just a time of joy. They're also one of the most dangerous times of the year for your cash and … [Read more...] about Online Shopping Tips To Keep Your Cash And Credit Safe This Holiday Season
Some people don’t realize how beneficial it can be to enter into a financial relationship with credit unions. Knowing that some of your friends are complaining about the banks’ hefty interest rates and service fees, it may be time to consider … [Read more...] about Benefits of Going To A Credit Union
Credit cards can either be a temporary solution to your financial problems, but they can also lead to bigger and longer term issues. Credit cards allow you to spend, even if you don’t have the cash handy. This makes spending effortless and quick, … [Read more...] about Credit Cards 101: When and How Should You Get Your First Credit Card?