Identity thieves may open new credit card accounts in your name if they have access to your personal information like your Social Security number, name and address. We all know it can be extremely frightening and frustrating when criminals commit this kind of identity theft, especially when they open up numerous credit card accounts and…
A student loan gives you access to financing for your college or university education. It is an investment in your future. Still, a student loan can become a burden to you if you abuse it. While in school, students are focused on their education, buying books, and day to day survival. However, some students misuse…
There are ups and downs in life, and there are ups and downs in your credit history. Often people feel more embarrassed about telling their credit scores over their weight, but it is nothing to be judged upon. A good credit score might let you have any type of credit at an attractive interest rate…
Thanksgiving is just around the corner and for many families, the celebration would not be complete without a Thanksgiving dinner. Have you made plans on how to put together a Thanksgiving dinner for your family? On this post, let’s talk about practical tips on how you can enjoy a wonderful Thanksgiving feast with a limited…
If you want to know anything about your credit card accounts, just check your credit reports. The credit report carries a wealth of information, which makes it easy to verify anything you want to know about your account details. Sometimes, when checking your credit report, you might notice comments such as “closed by grantor.” Alternatively,…
The Halloween season is fast approaching and as the month of November draws near, cardholders are advised to be more aware of how they use their credit cards to avoid being tricked. So how can you make sure that your credit card is treating you fairly and not trying to trick you? Consider the following…
Credit scoring models have existed since the 1970s. Credit scores are beneficial to lending institutions, insurers, employers, landlords and government agencies. Fair Isaac & Co developed the first credit scoring model, FICO. It was not until 2006 when Experian, TransUnion, and Equifax collaborated to establish a new type of scoring model, the VantageScore. The…
It’s almost Halloween but are you ready for the expenses? Although it’s the season for scary tricks, your finances need not be a victim. On this post, let’s take a look at some practical ways for you to save your budget this Halloween season. Spend less on costumes. A big portion of your budget may…
The importance of having an excellent credit cannot be denied. Creditors are not the only ones who use them for approving applications. Employers and even landlords use credit reports in checking an individual’s background.
If you have plans of renting an apartment but with bad credit, what are the steps you can take to ensure that you’re prospective landlord will approve you? In this article, we’ll be providing some advice on how you can rent an apartment you’ve chosen despite bad credit.
If you run a small business, then you know the importance of having credible referrals. Getting business referrals can seem difficult if you are not sure of how to do it. Not having referrals can make your potential customers doubt your business. It can make them wonder whether the products and services you are offering…