The first step in improving your credit is understanding it. Begin by checking your online scores, and then you will see which factors are affecting your scores the most. That information will lead you to a plan of action, by making the changes and improvements specific to your situation. Generally speaking, payment history and utilization ratioRead more

Some consumers prefer to have an identity theft protection service in addition to a credit monitoring service because If your identity is stolen, recovery may take a long time and the road will be complicated. In addition to signaling that there is an activity on your credit report, an identity theft protection service could monitor for suspicious orRead more

Selena Maranjlan, an investing and finance expert, warns against cash advances. According to  Maranjlan, cash advances can be very costly because of the fees associated with the,. She also states that most card issuers start charging interest for cash advances as soon as you make the transaction. Maranjlan also suggests not to think of credit cards as aRead more

Back to school shopping are stressful for a lot of families, especially those on a tight budget. Before hitting up the stores, check your own home for supplies that are on your list. Chances are that you have many items left over from the previous year, as well as things you bought a while agoRead more

The decision to watch your finances closer is a great one, and with some guidelines you can really get ahead fast. Check out our three tips for saving money without too much effort: Instead of focusing on buying and spending, put it all into selling! Use the internet to sell some old collections, or anyRead more

Finance experts recommend reviewing your spendings each month to see that you are not going over board. Even if you can afford to spend freely right now it doesn’t mean that it will always be the case. Having healthy spending habits as well as money set aside for a rainy day can help your lifeRead more

There are times when you feel that you are handling money way too freely and spend too much, even if you can currently afford it. If you have goals to save up but you see that you are not meeting them, reducing your credit card limit can help you get back on track. Contact yourRead more

It is important to manage your credit card bills at all times, good and bad. If you see that you re struggling with making payments, contact your lender to see what you can do and how they can help. Ignoring the problem will not make it go away and things can only get worse fromRead more

There is no harm in getting advice, but when it comes from a professional source on a topic as important as your financial life, then why not? There are credit counseling agencies that are here to help you navigate within your financial struggles, and the first step to get out of trouble is asking forRead more

According to Matt Jones, a senior editor at Edmonds website, there is a limit to how much money you can pay using your credit card when buying a car. There are different laws at each state on the subject, and dealers put limitations as well. “Dealer financing can be as low as six months at 0.9 percentRead more