Credit reports might seem really complicated, so let’s make them uncomplicated. Your success in managing credit is reflected in your credit report and score. A credit report is a history of everything you are doing with your credit now and what … Read More »
You got your first credit card! All you have to do now is make responsible financial decisions to establish good credit. Sounds easy, right? Misusing your credit cards can make getting out of credit card debt a stressful affair. So … Read More »
Settling credit card debt can cause serious financial strain. It’s important that consumers understand how they can protect themselves and use credit wisely.
Many parents often ask themselves and each other, “How many gifts do the kids need?” The answer to this question will change from family to family. Additionally, the answer will change depending on age, interest, family goals and the budget. … Read More »
If you are looking for a reputable credit counseling service, you have a choice between a non-profit or for-profit agency. How would you make this decision? Why choose non-profit credit counseling vs for-profit? Let’s break it down.
Are you trying to eliminate credit card debt and still need gifts for the holidays? Any chance to save money on shopping is a step in the right direction. Many businesses participate in the annual Free Shipping Day. This year, Free … Read More »
Hard credit inquiries occur when a prospective lender checks your credit report to make a lending decision. Hard credit inquiries can slightly lower your credit score. They will typically stay on your report for a few years. In the overall process … Read More »
Your successful financial management is largely based on how well you manage credit card debt. Therefore, understanding credit card mistakes to avoid is very important. Unfortunately, many credit card users are making big mistakes that are ruining their credit.
Learning to budget will never fail you! That’s one reason the Talking Cents Blog loves teaching all about budgeting. Our monthly budgeting series explores how real life affects a budget. December looks to be another tough month for our couple. … Read More »