How To Establish New Credit Without a Credit History

If you’re just getting started on your financial journey, one of the most important things you will need to know is how to establish new credit. This is also called ‘building credit’. However, it helps to understand what credit is, why you need it, and what you can do with it. What is Credit? Credit, […]

What Every Student Needs to Know About Building Their Credit

If you’re a young college student, you may be very confused at how to build credit. Between your studies, working, and doing extracurricular activities, when are you going to find time to build credit? Luckily, building credit doesn’t take a whole lot of effort. It does take time, however: months and years, rather than hours! […]

Everything You Need to Know About Secured Credit Cards

Why learn about secured credit cards? Having a credit card is so amazingly useful, yet there are many people out there that may have trouble getting one. Despite this, everyone should at least have one. Credit cards allow people to delay payment with no interest for up to 30 days. It’s the perfect financial tool […]

The Truth and Myths of Debt Consolidation

If you’re dealing with a huge amount of high interest debt that is crushing you financially, you’re not alone. Millions of Americans have credit card debt, personal debt, private student debt, even high interest auto loans and mortgages that are absolutely burdening to a financial future. There is a common solution to this, though, and […]

How to Protect Your Credit from Fraud

Fraud affects millions of Americans every year, costing them millions of dollars and causing untold headache. It’s estimated that billions of dollars in productivity and time are lost due to fraud in the United States alone. However, that’s not the worst of it. Fraud can follow you in your credit reports, too. Not all types […]

3 Easy and Free Ways To Increase Your Credit Score For Life

You probably didn’t think there were ways to increase your credit score without paying a dime. Well, believe it or not: it totally is. These are three tips that anyone can take advantage up to get a boost in their credit score. However, a couple things to note: These boosts aren’t immediate. In fact, since […]

What You Need To Know About Your Credit Score: Part Five

How Credit Scores Are Built – Part Five Did you know that shopping for new financing might hurt your credit scores? One of the most controversial topics when it comes to credit scoring is that fact that allowing lenders to pull your credit can potentially have a damaging impact upon your credit scores. As a […]

How to Prepare Your Credit for a Mortgage

If you are dreaming about purchasing the perfect home for your family, perhaps even planning the optimal paint colors for the walls or imagining the backyard haven where you will unwind after a hard day of work, then step number one to making your dream become reality is to make sure your credit is ready […]