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Debt Reduction

  • Debt Avalanche Method

    How the Debt Avalanche Method Saves You Money

    Crush your debt quickly using the Debt Avalanche Method. Pay off high-interest balances first and save money while becoming debt-free faster and smarter.

    The Credit Pros/
    June 5, 2025
  • negotiatedebt

    How to Negotiate Debt with Creditors to Maintain Your Credit Score

    Debt settlement is an agreement between a debtor and a creditor where the debtor pays a lump sum that is less than the full amount owed to close out a debt. While this option may seem appealing, it’s important to recognize the potential repercussions.

    The Credit Pros/
    January 17, 2024
  • High Credit Score Benefits

    The Benefits of Having A High Credit Score

    The Benefits of Having A High Credit Score include better loan terms, lower interest rates, easier approvals, and increased financial opportunities.

    Jason M. Kaplan, Esq./
    December 13, 2023
  • How Long Do Late Payments Stay on Your Credit Report

    How Long Do Late Payments Stay on Your Credit Report?

    How Long Do Late Payments Stay on Your Credit Report? According to Gitnux’s survey, 1 in 4 adults never checks their credit reports. If you are among them, the chances are high for you to wonder, “How long do late payments stay on your credit report.” The surprising part is that you are not the […]

    Damon DeCrescenzo/
    April 5, 2023
  • fico score changes

    FICO Score Changes – A Brief Guide for 2023

    FICO Score Changes – A Brief Guide for 2023 Are you worried that your credit score is changing occasionally without you noticing it? Unanticipated credit score changes may be due to updates released in the FICO credit scoring models. Another reason is that the credit scores themselves are updated every month by the three major […]

    Damon DeCrescenzo/
    April 3, 2023
  • What is a Balance Transfer

    What Is a Balance Transfer? A Useful Guide for 2023

    Balance Transfers Demystified: A Practical Guide Are you tired of repaying credit card debts with unbearable interest rates and EMIs? Wouldn’t it be great to keep the extra cash you pay every month? This is possible when you combine all your credit card debt into a single balance transfer credit card. If you want to […]

    Damon DeCrescenzo/
    March 24, 2023
  • Line of Credit scaled 1

    What Is a Credit Line? – Useful Tips for LOC in 2023

    What Is a Credit Line? – Useful Tips for LOC in 2023 What is a credit line? A credit line or a line of credit (LOC) is a type of borrowing option offered by lenders such as banks or credit unions. A person can utilize the LOC by withdrawing specific amounts based on emergencies and […]

    Damon DeCrescenzo/
    May 31, 2025
  • tcp feature 6 scaled 1

    Subsidized Loans – A Comprehensive Guide in 2023

    Subsidized Loans – A Comprehensive Guide in 2023 If you are looking for a student loan that can benefit you, all the while covering up your financial needs subsidized loans can be the best choice possible. It is a federal loan for students with financial needs who have not yet graduated. The important characteristic of […]

    Damon DeCrescenzo/
    March 15, 2023
  • Does Checking Credit Scores Lower It

    Does Checking Credit Scores Lower It? 2 Types of Inquiries

    Does Checking Credit Scores Lower It? 2 Types of Inquiries When it comes to getting approved for a loan, users often fear their credit score might be affected by being checked. It is a common and widely misunderstood statement that checking credit scores might lower it.  But, is that the case, or Have you been […]

    Damon DeCrescenzo/
    March 14, 2023
  • tcp feature 5 scaled 1

    FICO Score 8 – An Exclusive Review

    FICO Score 8 – An Exclusive Review There are many versions of the FICO score, although none of them is as widely used as the FICO score 8 models. With a few updates made to the previous version, this FICO scores 8 models is commonly used by lenders to assess and determine the borrower’s risk. […]

    Damon DeCrescenzo/
    March 3, 2023
  • does closing a credit card hurt your credit

    Does Closing a Credit Card Hurt Your Credit? A Helpful Guide in 2023

    Does Closing a Credit Card Hurt Your Credit? A Helpful Guide in 2023 Does closing a credit card hurt your credit? Everyone thinks that closing a credit card account will damage your credit score. It is true that, generally, closing your credit card can impact your credit, but it is not always the case. As […]

    Damon DeCrescenzo/
    March 1, 2023
  • 680 Credit Score

    What to Expect With a 680 Credit Score?

    What to Expect With a 680 Credit Score? Are you one of the 21% of Americans who have credit scores in the good credit range, with a 680 credit score? Is it good enough to get the loan that you’re after? According to the credit range model distributed by Experian, 680-739 is considered to be […]

    Damon DeCrescenzo/
    February 20, 2023

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