FICO has hit the news, and it’s not very often that FICO is talked about. However, this time, it’s quite a big deal. They have announced the pilot for UltraFICO, a brand new credit score with a twist. They estimate that 7 out of 10 Americans will have better scores with the UltraFICO, possibly saving […]
Credit cards are a useful tool, but credit card debt is particularly insidious. Credit card debt affects millions of Americans every year, keeping their credit scores lower than they should be. People report having crushing amounts of credit card debt, and their balances just keep growing. Not only is credit card debt hard to get […]
You may have heard of the terms “past due”, “loan default” and “collections”. All of these terms mean different things, but they are all to be avoided. You Need to Know; How Loan Default Affect Credit Score? What Does Past Due Mean? Past due simply means a late payment. If your payment is 30 days […]
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 using Apple Pay safe? Is Google Pay safe? Should you use these in favor of a […]
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. Follow complete guide to mortgage refinancing. Refinancing is simply replacing your current mortgage loan with a different one, usually with different terms to best […]
According to the College Board, the average cost of tuition and fees in the US for the 2015–2016 school year was $32,405 at private colleges and $9,410 for state residents at public colleges. With the median yearly wage per person being $26,695, it comes as no surprise that most people cannot afford to pay for […]
