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Budgeting on a low income.
Budgeting for low income. How can we budget when we have low income? This is one of the questions many people have. Most times when you here about budgeting it is for people who have extra money, and they want to know to best way to save it. But for many of us this is...
What type of Accounts Appear on Your Credit Report?
Credit reports contain diverse types of credit accounts. The most common of these accounts would be installment accounts, revolving accounts, and collection accounts. In addition, any accounts that are past due 30, 60, 90, or 120 days, are listed separately on your...
Improve Your Credit Score!
2022 is gone and 2023 is here and its time to start improving your credit score and improving your financial stability. How long have you put off fixing your credit score, and said "I will do it later?" Taking steps to improve your credit can help you lower interest...
What’s the right credit card for me?
You may be wondering what is the right credit card for me? With so many types of cards, it might be hard to find the right one. There are many things to consider, when choosing a credit card. First, how is my credit score? Second, what do I want in a card. And third,...
The Pros and Cons of Opening New Credit Cards to Increase Available Credit
Opening a new credit card will give you more available credit to use, and will also help balance out your credit utilization rate. It will also increase your credit score when used correctly and cautiously. However, it's important to know the impact of opening a new...
Is paying off your Credit cards quicky a good thing, or should we just take our time to pay them off slowly.
You may be wondering, if you should pay off your credit card debt with your Christmas bonus, or just make an extra payment or two. People believe that it is always better to have a balance on their credit cards. So that would mean, that we should pay our credit card...
Holiday Scams and Identity Protection!
The holidays bring joy, vacation time, and overall good vibes, people generally are in the spirit of giving but its not all hot chocolate and gifts. Along with the holiday vibes comes stress and people who take advantage of the distracted and vulnerable. Most people...
Smart Holiday Spending!
The holiday season is here, and holiday spending can be a huge problem. Gift shopping can bring more stress apart from the stress of bills and your normal spending budget. Whether you made a budget for the holiday season or your hoping for a holiday bonus, there is...
Why are my FICO Scores different for the 3 credit bureaus? Read our blog to get informed!!
Here in the good olé U.S., there are three national credit bureaus (Equifax, Experian and TransUnion) that capture, update and store credit histories on most U.S. consumers. While most of the information collected on consumers by the three credit bureaus is similar,...