Category: Credit

Credit Repair: Don’t Believe The Hype!

Many people who have much less than perfect credit and want to realize one of their life long dreams of a major purchase are anxious to get their credit repaired. Many of those same people become targets of individuals and businesses who prey on people in that position. If you are one of those people […]

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Missed and Late Payments Are A Big Deal!

  If paying your bills on time is not important to you, then you need to make it important to you. Life happens and anyone can miss or be late making a credit card or loan payment. What you do after you are late or miss a credit card or loan payment can make a […]

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How To Build Credit The Safe Way

Most adults know the importance of credit. We know that without good or decent credit you can almost kiss many of your dreams good bye. You need credit to buy a home and cars you cannot afford to buy with cash. Every day young people are becoming adults and asking, “How do I build credit?” […]

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Report Card for Your Credit

What do a report card and a credit report have in common? A credit report is like a report card for your credit and your credit score is is like your grade for your credit. Lenders review your credit report to determine whether or not to extend credit to you and at what interest rate. […]

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Money Talk – A Budgeting Date

When many people think about marriage they think about love and romance. They have plans and goals. They are looking forward to starting a life together. One of the last things on your mind – well, maybe at the back of your mind – is money. However, money is one of the leading causes of […]

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Warning: Cosigning Can Be Hazardous To Your Credit

Everyone needs a little help at some time in their life. Sometimes that help is financial and we need some money. Other times we just need someone to vouch for us. One way you can vouch for someone is to be a cosigner for them on a loan. If you have not been asked to […]

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Wedding Day Debt

Statistics show that the average cost of an American wedding is between $25,500 and $33,000. It’s no surprise that a lot of couples are going into to debt. In fact, statistics show that 74% of couples go into debt to get married. Now, there’s a wedding loan out there that does not help matters. A […]

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Be Prepared For Opportunities

Whitney M. Young, Jr. said, “It is better to be prepared for an opportunity and not have one than to have an opportunity and not be prepared.” So often people decide to get their money or credit right when they want to buy a house. That is not a bad thing. However, when asked when […]

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Dirty Little Secret – Part 3

  Victims of financial abuse are made financially dependent on and by their abusers, then the rug is pulled out from under them. Usually, the rug is pulled out when they or their spouse or partner leaves. Unfortunately, this is the point when the victim discovers that they have been left holding the bag that […]

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Refund Jackpot

Tax refund season has been called several things including, Christmas in March and the poor peoples lottery, among other things. Remember, “poor” is not just related to the amount of your income but is also a mindset. Several people are used to getting tax refunds of over $5,000 every year and go on shopping sprees […]

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