9 Ways To Improve You Credit
You might think that your credit has everything to do with your credit card. But, in fact, your credit report and score arent as closely tied to those slips of plastic as you might think. And your credit report, which documents every line of credit youve had for potential lenders, can […]
Will an Employer Credit Check Hurt Your Score?
When you apply for a job, it’s not uncommon for employers to request a credit or background check. This is especially true with jobs that require you to work with money or sensitive financial/security information. And considering the important role credit plays in our society, much less our individual financial lives, worrying […]
Multiple Government Agencies Are Keeping Records Of Your Credit Card Transactions
Were you under the impression that your credit card transactions are private? If so, I am sorry to burst your bubble. There are actually multiple government agencies that are gathering and storing records of your credit card transactions. And in turn, those government agencies share that information with other government agencies […]
Will Cosigning Hurt My Credit?
If youve ever been asked by a friend or family member to cosign on a loan, you might have wondered whether it could hurt your credit. In a strict sense, the answer is no. The fact that you are a cosigner in and of itself does not necessarily hurt your credit. However, […]
Using Credit Cards as Part of Your Budget
Were so used to hearing about how we need to get rid of credit card debt, and how credit cards are evil, that we often forget that they can be great financial tools. Yes, its important to pay off credit card debt. However, with a little planning, you can incorporate credit cards into […]
How Fast Should You Pay Off Your Debt?
Unfortunately, there is no quick fix to eliminate debt. Not only does it take patience, time and diligence, but also a clear understanding of why we get ourselves into debt in the first place. Was it thinking we could pay down our debt, only to realize after our bills, we had nothing […]
Credit Card Skimming Scams Aren’t Going Anywhere
Nationwide, a rather insidious type of identity theft that can affect thousands of consumers without a hint that it’s happening. Unfortunately, the scam is growing more common and problematic. Skimming scams have been discovered in a wide variety of places around the country and can lead to significant issues not only for consumers, […]
4 Ways to Ruin Your Credit
You applied for a new credit card, and you were approved! After all, there is must be something you need or want. However, if you are not careful, your spending ways can damage or even ruin your credit. Here are 4 ways you can ruin your credit so that you can avoid […]