Understanding Credit Scores made easy

Understand Your Credit Score

Why Do We Have Credit Scores? Before moving onto understanding a credit score or a credit report, it is important to understand why we have these in the first place. Credit, or loans in general, are approved based on an individual / entity’s ability to repay that loan along with interest, if we’re talking about traditional banking / lending. So ...

Read More »

Do Not Let Identity Theft Ruin Your Summer Vacation

vacation identity theft

  Summer is a Prime Season for ID Theft Did you know that identity theft peaks at certain times of year and there are predictable, cyclical patterns to when ID theft will most likely occur? One of the times of year when you should be extra vigilant about protecting your personal and financial information is summertime. When people go on ...

Read More »

Guide To Finding Good Credit Repair Services

Get rid of bad credit

Advertisements on various types of credit repair services can be found everywhere. The fact that a lot of people need help or advice in rebuilding their credit history and credit score has brought about the emergence of companies or agencies offering credit repair services. How can you protect yourself against such companies? Consider these reminders.

Read More »

Using Debt Management To Avoid Bad Credit

Do it yourself

Debt Management begins with first assessing the situation.  Grab a notebook and start keeping track of your spending.  This will be your debt diary, much like a food diary dieters use.   After a week or two, look thru your debt diary and start looking for things you can cut back on.  The goal is to try to start paying down ...

Read More »

Why scam artist love prepaid debit cards

Prepaid debit card scams on the rise Prepaid debit card scams are becoming the new choice for scam artist looking to target those who are easily taken advantage of, such as the elderly and immigrant communities. There are many ways in which these scam operations are being completed, but they mainly involve threatening phone calls from “companies” whom the victim’s ...

Read More »

Which Is Better – Bankruptcy or Debt Consolidation

debt consolidation loans

When faced with debt problems, two of the most common options people consider are bankruptcy or debt consolidation. Which of these two options are better? Experts may have their own opinions when it comes to making the right choice. Some financial experts may say that bankruptcy is a better choice because it allows you to be completely free from debts. ...

Read More »

Credit Card Debt Tips to Avoid Bankruptcy

A lot of consumers today are struggling with financial crisis. The unexpected lost of job or lack of available employment can make the situation even more difficult to handle. Some credit card holders find themselves stuck with uncontrolled debt. Do you find yourself in a similar situation? IF you do, what are the steps that you can do to avoid bankruptcy? How can you make the problem more manageable?

Read More »