Trying to restore your damaged credit can often be a very time consuming and frustrating process, especially if you have been attempting to overcome your credit issues on your own. While you can (and perhaps should) hire a professional credit repair expert to help you in a legitimate manner, you may also be tempted to […]
How the Dispute Process Works Dealing with credit problems is never much fun, but when your credit problems are the result of errors on your credit reports these problems can take on a whole new level of frustration. This frustration is largely due to the fact that credit problems and low credit scores can make […]
Welcome to Part 3 of our powerful series, Credit Cards 101. In parts 1 and 2 of this series you have already learned some important information about how properly managed credit card accounts can be very effective tools to help you build better credit. Of course, while well managed credit card accounts can potentially be great for your credit scores, credit card debt can actually wreak havoc upon your credit scores very quickly. For best results (both financially and from a credit score standpoint) it is important to develop the habit of paying off your credit card balances in full each month.
Tis’ the season for family, friends, food, and fun. Unfortunately the holidays are also a time for extra expenses and very often for overspending as well. Many people start the holidays out with the best of intentions when it comes to their finances. Perhaps you even began with a budget or spending limit to make sure you did not overextend yourself once again this year. However, before you give into the pressure and start making excuses to spend money you cannot afford to spend, consider the following.