Recent studies have shown that more and more consumers are becoming concerned about ID theft and whether or not they are a target. With the increase in retail hacking and credit card fraud, your money, your personal information, and your identity are all at risk. Identity theft is a growing concern not just for individuals, …
Here are the truths behind some credit myths. Some of these myths have been going around for so long that everyone assumes they are the truth and use them when they are trying to fix their credit. Which backfires on them! Read on to learn more and check out our list of resources to help…
Have you tried negotiating for a better price or rate? If you haven’t then, it’s about time you start! Always remember that settling for the first offer you will receive can cost you! I used to be so embarrassed when we would be at a store and my mom would start trying to get the…
Filing for bankruptcy can be a difficult and confusing decision, especially if you don’t know what options are available to you. If you’re considering filing for bankruptcy, it’s important to get informed on your legal rights and the bankruptcy process. Keep in mind that filing for bankruptcy can inflict severe damage to your personal credit…
An Introduction to the Latest FICO Credit Scoring Models FICO 10 FICO 10 is a credit scoring model developed by the Fair Isaac Corporation (FICO). It is the latest version of the FICO the widely used credit scoring model that lenders use to assess the credit quality of individuals and to determine the likelihood that…
Making A Monthly Budget Work For You Creating a monthly budget is an important part of financial planning, helping individuals and households track their income and expenses. Having a budget plan can be an effective tool for: saving money paying off debts, and meeting long-term financial goals. This article will provide essential steps for creating…
Identity theft is a serious crime that affects millions of people each year. It can be costly and time-consuming to recover from, not to mention the emotional distress it causes. Protecting yourself from identity thieves is key in preventing this type of crime – and with the right knowledge and precautionary measures, you can do…
Does credit repair really work? Consumers who are eager to get their financial lives back on track after their credit score has taken a hit have asked this question countless times. Credit repair can sometimes seem like it couldn’t possibly be the credit report magic eraser that it is frequently marketed as being. However, hearing about…
How Do GOOD Credit Repair Companies Increase Your Credit Score….They Add TRADELINES! Many people go to credit repair companies and the majority of them only address 1 part of the bad credit problem. The negative tradelines. If the tradelines are negative, AND you were unable to negotiate with the original creditor for a…
People who choose to use their credit cards only in emergency cases may be doing more harm than good. It’s because a credit card account can be closed because of inactivity. The issuer of your credit card has all the legal rights to close your credit account when it thinks that is the best move…