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 […]

Four Facts About Credit Scores Everyone Needs to Know About

Credit scores are incredibly important and are taken into consideration every time you make a significant purchase such as a car, or house, or when looking for a job or applying for insurance. But other than that, most don’t know much about them. Many don’t realize whether they have a credit score or not, what […]

How Credit Checks Affect Your Credit Score

Like many other things, credit checks affect your credit score. However, it all depends on what type these checks are. They can either be a soft credit check which has no impact or a hard credit check that can negatively affect your score. With that in mind, let’s first take a look at the difference […]

What Are the Best Ways to Improve Your Credit

For those of us who don’t know, a credit score is the numerical expression of your creditworthiness as an individual. Various lenders such as banks or credit card companies use these credit scores to evaluate a person’s potential risk of defaulting on their credit as well as to mitigate their losses in the event of bad debt.  […]

How Will Bad Credit Affect You in Your Daily Life?

When we talk about bad credit, we are referencing a negative credit score that a financial institution gives to an individual. It stands for that person’s payment history as well as their ability to pay off debts.  If you find yourself in a position of a sad and low credit score, it means that you […]