What Can A Perfect 850 Credit Score Get You?

Everyone dreams of having an 850 credit score. It’s the highest score possible under most FICO scoring formulas. It’s been listed as one of the most common wishes that American adults would make. Very few people in the United States actually have a credit score of 850, though. So we set out to answer the […]

Is Apple Pay Safe? What About Google Pay?

Apple Pay and Google Pay are two of the most useful inventions of the past few years. They’re smartphone applications that allow you to pay for products online and in retail stores with RFID point of sale devices. But is Apple Pay safe? Is Google Pay safe? Should you use these in favor of a […]

Why Data Breaches Can Harm Your Credit & How To Protect Yourself

If you’ve been watching the news lately, you might have seen the dangers of data breaches. Many companies end up the victim to hackers who steal databases full of customer and employee information. You might be wondering what in the world is going on! These companies are billion-dollar, multinational companies with millions to spend on […]

What You Need to Know Before You Refinance Your Mortgage

At the end of every mortgage term, you have to renegotiate or renew the terms of your mortgage. However, you may not want to wait until then; you may want to refinance. Refinancing is simply replacing your current mortgage loan with a different one, usually with different terms to best suit your situation and goals. […]

5 Unusual Things that Can Hurt Your Credit Score

We all know that your credit score goes down when you’re generally irresponsible with debt. But even if you’re as responsible as you can be, your credit score could take a hut! Here’s 5 unusual things that can hurt your credit score. Thing 1: Forgotten credit cards can hurt your credit score! After you’ve had […]

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 How to Build 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 […]