Checking your credit report once a year is something everyone should do, and your are allowed to get a free copy from any of the nationwide consumer credit reporting companies. Contact Equifax®, Experian®, and TransUnion® to get your free yearly report and look to see that all the information there is correct. Some examples of possible errorsRead more

If you are looking for more ways to stay on track with your budget or if you are trying to set up a budget, using only your credit card for all of your purchases can help you with your goals. it is important to mention that if you will be using this method, you mustRead more

Having a strong credit age is important when you need to report your score. Usially a good average age of credit history is considered five years and up. If you just got a credit card for the first time you should know that it takes three to six months from the beginning use of it toRead more

Many shoppers only think about the terms of their loan as they are asking for it. The right thing to do is to plan ahead, to try and get the best possible terms and save as much money as you can. In order to be ready to certain situations in life, it is best toRead more

When it comes to picking a credit card, it is recommended to take a deep and honest look into your spending habits, and think about what you plan to do with your new card. Some things like an interest rate can make a big difference in your finances if you are not paying your billsRead more

It is so much fun to see something you like and to buy it right away, especially if it’s a big ticket item. However, if you need a loan in order to get it, it is probably not the best idea. There are many good reasons to take on a personal loan, such as payingRead more

When it comes to life insurance, your credit score does not have a major affect on your rates, unlike other insurance policies such as auto and home. Life insurance companies may run a credit check, but they will be more interested in certain information on the report and not the score itself. All insurers have rulesRead more

Todd Mark, vice president of education for Consumer Credit Counseling Service of Greater Dallas, advises not to be impulsive when it comes to getting a new credit card. “If you didn’t go out with the intention of ‘I’m looking to open a credit card today,’ don’t impulsively do that,” he says. Often times we get offeredRead more

As you enter a new field at work, working part time can be beneficial. DoIng so allows you the opportunity to dip your feet in the water to see if you like the job and if you see yourself making a career at it. In addition, getting in slowly into a new field gives youRead more

Birthday parties and social events can get very costly, especially if you wait until the last minute to do the necessary shopping. If you plan ahed, you can order what you need from the stores that offer better prices, or not rush with paid shipping because there is still time. In addition, when you shopRead more