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How to Establish New Credit
How to Establish New Credit Building new credit sounds like a hectic task, but it’s quite easy. In fact, if you have a few hundred dollars lying around, it can be as simple as opening up several new secured credit cards to help build new credit, quickly and easily. With that being said, let’s discuss different ways […]
What Should I do if my Identity is Stolen?
What Should I do if my Identity is Stolen? If you believe that your identity has been stolen, you need to take action immediately. But before you do that be sure that your identity was, indeed, stolen. First of all, how are you so sure that your identity has been stolen? Did you notice suspicious […]
How to Recognize Identity Theft
How to Recognize Identity Theft In 2013 alone, there were 11,571,900 Identity Theft cases reported, costing consumers over $21 billion. That number will continue to climb in 2014. So how does one go about protecting themselves by simply recognizing identity theft? By actively monitoring your credit profile, using services (free or paid) such as CreditKarma, Credit.com or CreditSesame, you […]
Are PayDay Loans Worth It?
Millions of Americans fall into this trap. They run into financial issues and they run out to find the easiest, quickest loan(s) that they can get: the Payday Loan. It’s a painful, dreadful decision for most people, but many have no other choice. Are PayDay loans worth it? No. Definitely not. As Alice Gomstyn of ABC reported, […]
Getting Credit Cards With Bad Credit
Getting Credit Cards With Bad Credit Getting a new credit card with bad credit can be extremely difficult, but not always impossible. There are different types of credit card offers out there for different types of “bad credit,” or poor credit. First, you need to ask yourself why you want a new credit card. A […]
How to Increase Your Credit Score
How to Increase Your Credit Score Regardless of the amount of money you make, your credit score can affect you financially, whether you’re applying for a new credit card or even trying to get approved for a new home loan. It can be the difference of actually getting approved, and even getting lower APR rates. If […]
Do Free Credit Scores Hurt Your Credit?
Question: Do Free Credit Scores Hurt Your Credit? Answer: There’s a lot of new free services that exist, and everyone seems to be utilizing them to their advantage, but are they detrimental to your actual credit score, meaning will they hurt your score? In short, no. Many people assume that these services will cost them in […]
How often should I check my credit score?
Question: How often should I check my credit score? Answer: You should keep a close eye on your credit score/profile to ensure that you don’t have any issues arise, unexpectedly. Things such as hard inquiries that you did not authorize, or even new accounts that do not belong to you. We highly suggest that you […]
Credit Unions vs Banks
Credit Unions vs Banks In the fall of 2008, we witnessed a particularly tumultuous time in the world of finance and in many people’s eyes, this was brought on mostly by the greed and complacency of the big banks. These institutions have become so big and powerful, and regulation simply doesn’t appear to work with […]
What is a VA Loan and Who is Eligible
What is a VA Loan and Who Qualifies? The Department of Veterans Affairs (VA) is a Government Agency located in the United States of America, and helps to serve Military Veterans, those on active duty, as well as National Guards and Reserves. As a part of their services, they also offer guaranteed home loans to […]