Showing by category: Credit

How to Get the Loan You Need with Bad Credit
In the financial world, your Fico score determines your eligibility for the type of funding you have access to and at what interest rates. Unfortunately, those who have a low Fico score tend to fall in between a rock and a hard place when it comes to getting the loans they need to fund their purchas Continue Reading
How To Repair Bad Credit In Six Months
Poor credit is something no one wants to be forced to deal with. However, since the housing market crash in the late 2000s, thousands of consumers are doing just that. Regardless, of how low your credit score, it is possible to improve it. But it will take a bit of time, patience and diligence. If y Continue Reading
It Finally Happened – I Got Hit by Identity Theft
I’ve been hearing and reading a lot about how identity theft and identity fraud are the fastest growing crime in America. That doesn’t become “real” until you get hit by identity theft yourself. And I did, just two days ago. According to a 2017 study by Javelin Strategy & Research, 15 Continue Reading
4 Ways to Use Your Credit Cards to Increase your Credit Score
One of the things you will want to do is work to have a high credit rating. This can drastically affect a lot of your financial transactions in the future. Of course, having credit cards can either hurt or help your overall score. The average credit card debt per household is $16,883. Being aware of Continue Reading
Do Bad Credit Loans Have a Legitimate Purpose?
Bad credit loans have a bad reputation. Obviously, a big part of that is deserved. But I’m going to take the contrary opinion here, and say that bad credit loans have a legitimate purpose. Or at least they can, if they're handled the right way. Heresy, you say? Maybe. But I’ve had a lot of p Continue Reading
Relearn Credit Card Behaviors that Build Good Credit History
Lots of people get to a point in life where our personal credit is a mess. Maybe it’s the day when you check your credit score only to learn that it is a miserable 539. Maybe it’s the day you realize you now have five figures of credit card debt. Maybe it’s the day you’re denied a loan from Continue Reading
Are Identity Theft Protection Services Worth What You Pay?
Identity theft is one of the fastest growing crimes around the world. There have been more than 13 million victims annually. There are radio and television ads screaming that if you're serious about protection, sign up with one of the “identity theft protection services.” But are these products Continue Reading
Should You Pay By Cash, Check Or Credit Card?
There are dozens of “gurus” offering advice on how to keep your financial house in order. Check out your local bookstore and you can find shelves of books and tapes and CDs on how to eliminate your debt. There are even those who advertise on TV with plans to help you cure your indebtedness (for Continue Reading
Is Borrowing The American Way?
OR…Is Saving Money Bad for the Economy? I came across this article a few weeks ago, Industrial output falls as consumers cut back spending, and have been trying to decide what it is about it that I find so disturbing. I’m not targeting it as some sort of special case; in fact it’s one of Continue Reading
Credit Cards vs Debit Cards – A Different Take
I hate the credit cards vs debit cards topic — so why am I writing about it? Because it seems to be a staple topic of the personal finance blogosphere! And almost universally, the conclusion will inevitably come down on the side credit cards as the better deal. Warning: If you’re looking for Continue Reading