5 Essential Tips for Managing Your Credit Score

Your good credit enables much more than granting you amounts of money you can spend and pay back over time. It follows you into everything from renting an apartment to getting a job. It determines the interest rate you will pay on credit cards, financing and loans. It can even alter how much companies charge […]

Bad Credit: What You Need to Know About Buying a Car with Poor Credit

Bad credit is generally defined as a credit score in the low 600’s, specifically at or under 629. There are many reasons that can contribute to low credit, but the bottom line is that if you don’t have a good credit score, it can be difficult to purchase the items you need. You may need […]

7 Tips for Keeping Your Bank Account Absolutely Secure

So many things today are done virtually. You can pay your bills online, work off of the Internet, and even manage your bank accounts from your mobile device. It’s a convenient way to access your money and shop for the items that you need, but it can leave your bank account vulnerable to security breaches. […]

Is it Ever Wise to Owe Money to a Creditor?

Credit and debt have developed a bad reputation in the consumer market. Many consumers actively work hard to pay down debt balances and dream of becoming debt-free. However, debt and credit are not always a bad thing. In fact, they can be used advantageously in different situations. But first you have to understand what situations […]

Plastic Money: Top Tips for First Time Credit Card Holders

Many financial experts don’t really like credit cards because of how many people suffer from credit card debt. However, it can be a beneficial tool if used properly, especially for anyone desiring to increase their credit score. A high credit score will allow you to buy a home, settle in a location and continue working on […]

Acquiring Credit and Credit Reports

Acquiring a Credit History Young people either fresh out of high school or college may have difficulty acquiring their first credit card because they do not have a credit history yet. It may be easiest to get one through your own bank or credit union where you already have an account. Or you can apply for […]