When buying a new home it is important to monitor your credit situation as credit scores from FICO or other agencies can have a big impact on what mortgage rate you receive.
We all know that credit scores are important for a variety of reasons, but do you know what factors matter into your credit score?
If you’ve found yourself with a huge amount of credit card debt, what are your options when it comes to reducing your rates, reducing principal, or settling the debt?
Do you know what a good credit score is? How do you know if you’ll get the best rates on your next home or auto loan? How much of an effect can a good credit score have?
What can we do to protect ourselves from being a victim of online fraud or identity theft?
When purchasing big ticket items or giving a down payment, pay with your credit card in order to minimize your risk of losing your money.
We’ve been without credit cards for two years now. The question is do we regret cutting up those cards in favor of cash only spending?
Many credit card companies urge their consumers to consider buying credit card payment protection. This type of insurance can put your payments and interest accrual on hold should you become unemployed (for up to 24 months in some cases). In the event of your death, payment protection can pay off the remainder of your credit […]
Do We Really Need That? A while back my wife and I were talking about how we needed to get a new TV in our bedroom. It was 2009, and with the digital switchover happening that year, we had two options to consider. First we could buy a digital to analog converter box for about […]
How many credit cards, mortgage and other credit accounts do you have on your credit report?How much have you spent on credit over the years?
Over the years I’ve never really been someone who spends large amounts of money, but if I’m completely honest I haven’t exactly been frugal all the time either. When I was younger I never really denied myself the things I wanted, even when I didn’t necessarily have the cash on hand to buy it. If […]
Credit Sesame is a debt and credit monitoring site that will allow you to check your credit score for free, with no obligation. Here’s my review.
The Fair Credit Reporting Act was legislation that put in place consumer friendly credit practices, including allowing consumers to obtain one free copy of their credit report each year from each of the three major reporting agencies. The three agencies include TransUnion, Equifax and Experian. While you get your credit report for free, getting your […]
Ordering your debts can help you create a plan that will allow you to get out of debt faster, saving money in the process.