Do’s & Don’ts: What to Look Out for as a First Time Credit Card User

Let’s face it, credit cards receive a bad rap due to fees, fears of drowning in debt, and unmanageable interest rates. Luckily, these can be avoidable perils when you’re well informed.  Smart decisions will help in the prevention of common credit card problems. Regardless of what stage of life you’re in, we’ve assembled a list […]

3 Credit Myths You Need to Know

The world of credit is vast and, often, confusing. With this in mind, it’s easy to fall prey to circulating credit myths that might start or continue your credit journey in the wrong direction. Today, we’re tackling common credit myths and debunking them so you can rest easier as you build credit. 3 common credit […]

How to Pick Your Credit Back Up After Facing Credit Card Delinquency

Getting the hang of your personal finances can be difficult because of how customizable your choices are for how you’d like to handle your money. Maybe your focus is on saving? Or perhaps you’ve decided to take on creating an investment portfolio? Or, maybe, your focus is on recovering from financial hardships, like credit card […]

How & When to Use Your Credit Card Points to Maximize Rewards

Credit cards are a great tool that can help you in more ways than just giving you more spending wiggle-room. In fact, utilizing a credit card optimally can help you increase your credit score, plan out your expenses, and offer credit card points for fabulous money-saving opportunities. Today, we’re digging into tips to help you […]

Credit vs. Debit: When to Use One Card Over the Other

There are more options for credit and debit cards today than ever. Sometimes, it can be a little confusing when you step up to a cash register and have to choose which card to use. Leveraging when best to use your debit and credit cards can maximize your benefits and leave you to make more […]

How to Prevent Identity Theft from Happening to You

According to the Federal Trade Commission (FTC), identity theft is one of the most common complaints consumers make when reporting fraud. In 2017 alone, 16.8 million Americans were victims of identity theft. It doesn’t stop there: new research indicates that identity thieves now take stealthier approaches to mask their fraudulent activities, making it even harder […]

How Often are Credit Scores Updated?

When taking out a loan, one of the first things other lenders will look at is your credit score. While maintaining good credit and avoiding bad credit seem to be top-of-mind for those concerned with their own scores, do you know how often credit scores update? Because your credit can make or break a loan […]

5 Habits to Raise Your Credit Score

Our credit score can affect many of the aspects of our life. This includes the ability to rent property, mortgage rates, and some employers will even review a credit report before extending an offer to a candidate. With a credit score being tied to so many lifestyle facets, many are seeking the quick and easy […]

Why Having Bad Credit Won’t Stop You from Receiving an Online Loan

Personal loans can help people pay off credit cards, afford a family vacation, fix their car, and everything in between. They’re ideal for emergency situations but can be extremely beneficial for planned expenses as well. Also, with most lenders offering online options, receiving these loans are hassle-free and fast. While these are easily accessible for […]