In the world of finances, your credit report is one of the most important documents because it contains so much information about your financial habits. Your credit report is pulled from a database to which… Credit Reports Don’t Tell a Complete Financial Story
Saving isn’t easy. It’s especially hard when you try to save what’s left over after you’ve paid all your other expenses. For one, you may not have much money left over after paying bills. And… Making "Pay Yourself First" Work
If you’ve incurred unexpected financial emergency, but don’t have an emergency fund or sufficient credit to bail you out, you might be tempted to take out a title loan. Be careful, these loans are one… Borrowing a Title Loan is Risky
Preparing for a mortgage can be a stressful process. The lender wants to see that you have a solid credit history, a low amount of debt, a stable employment history, and enough income to afford… Getting Your Finances Ready for a Home Purchase
Numerous businesses use debt collection services to help recoup the cost of unpaid debts. For example, if you cancel your cable service and don’t pay the last month’s bill, your ex-service provider may send you… A Good Reason to Pay a Collection Quickly
The past several years have been rough for consumers and credit card issuers. Prior to the Credit CARD Act of 2009, credit card issuers were cutting credit limits without notice, raising interest rates to the… In 2012, Consumers Are Happier With Their Credit Cards
Identity thieves will use any means available to trick you into your giving up your personal information. You may be familiar with phishing scams where scammers email you seemingly legitimate messages from your bank or… New Scam: Watch Out for Smishing Text Messages
Self-employment can be risky, especially from a financial standpoint. Managing your money is especially important given the potential ups and downs that come with being your own boss. Being smart with your money is critical… Financial Tips for the Self-Employed
Every debt instrument has an interest rate, typically expressed as an annual percentage rate, or APR. The interest rate the annual amount you pay for borrowing $100. For example, if your APR is 5%, you’d… Your Credit Score Affects Interest Rate
Some people can expect to have a hard time getting approved for new credit cards and loans. You might be one of those people. You have a low credit score. Credit scores are designed to… You Might Have a Hard Time Getting Approved If…