Let’s say you’ve decided that debt relief is the right choice to help you pay off your debt. As you learn more about the debt relief process, you start wondering how it could affect your credit score. If it could leave a negative impact, should you still use a debt relief service? Here’s what you […]

9 Common Myths About How Your Credit Score is Calculated

Under most scoring models, credit scores (also known as a FICO score) range from 300 to 850. The higher the number, the better a person’s credit – it implies that the person is a lower risk to a lender. The score is calculated using a credit report that gathers data on your current and past […]

How to Use Your Credit Card Wisely

It’s very important to know the rules of the credit card game because if you don’t, you could quickly find yourself in financial trouble and in need of credit card help. The following tips will help new and experienced credit card users avoid unwelcome credit card debt. DON’T accept a credit card without reading the terms. […]

The Incredible Link Between Debt and Stress

Did you know that your financial struggles could be putting your health at risk? A recent survey conducted by The Harris Poll on behalf of the American Psychological Association revealed that 1 in 5 Americans have either thought about skipping, or have skipped, a visit to the doctor because of financial concerns. Moreover, those who […]

Do You Know What Lenders Look for?

You probably think your credit score is the main thing that lenders and creditors use to decide whether to give you a loan. But they use other tools to measure your creditworthiness and whether you’ll have a tough time repaying a new debt. Keeping your credit in top shape involves more than making your payments […]

What You Should Know About Your Credit Report

You should review your credit reports every year and, if necessary, take the time to clean them up. Mistakes on your report(s) can negatively affect your credit score, which is used by lenders to determine if they’ll lend you money and, if so, the interest rate you’ll pay. Some employers review credit reports, too, so […]

Who Should Contribute to a 401(K)?

Wondering “Is a 401(k) right for me”? The simple answer is that it’s a great retirement option for almost everyone, including those in need of debt relief or credit repair. For some of us, retirement seems a very long way off. But with people living longer and Social Security’s future in question, you may need […]

Credit Types

You’ll discover that borrowing money and accessing credit always involves a basic premise – and that premise is consistent regardless of whether your borrowing is associated with a credit card, personal loan, business line of credit, or a long-term loan. The fact of the matter is; you are expected to repay the full amount borrowed […]