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The Early Warning Signs of Debt
Overwhelming debt seems to catch people by surprise, but there are a few early warning signs of an impending credit problem that you should be aware of. Once you know what to look for, be quick to take action and turn your finances around.
Can a Collection Agency Do a Hard Pull of My Credit Report?
Can a collections agency request a copy of my credit file? Why is it recorded as a hard pull? Find the answers here.
Prevent Identity Theft: 10 Tips You Should Already Know
Going through an identity theft experience can be extremely frustrating, time consuming, and even costly. Here are 10 things that you should be doing to avoid ID theft.
How Good Credit Saves You Money on Insurance
Your credit score has a direct impact on your insurance rates. Insurance companies take a close look at your credit before providing you with an insurance quote. While this may seem rather ludicrous, in the eyes of insurers your credit determines who you are and what you’re made of.
Will Your Student Loan Hurt or Help Your Credit Score?
Thousands of dollars in student loan debt may sound like a sure way to torpedo your credit score, but it can actually give you great credit if you play your cards right. Here are five tips on how to turn your student debt into an asset.
How Bad Credit Hurts You
When you have poor credit, it’s much harder and more expensive to obtain loans, credit cards, as well as borrow certain goods and services. Find out why some people have bad credit and how it can hurt them.
Identity Theft Insurance: Is it Necessary?
With identity theft becoming increasingly widespread, consumers are looking for more ways to protect themselves. Identity theft insurance is one of the most popular-selling insurance products to hit the market in years. But should you buy into the hype?
Pay Your Mortgage Down Fast by Renting Your Basement
If you're looking to pay your mortgage down faster, you might want to consider transforming your basement into a rental apartment. The extra cash from the rental can be put directly towards the principle of your loan – allowing you to shave years off your mortgage term.
Can Credit Repair Companies Really "Fix Your Credit"?
Advertisements by companies promising to "fix your credit score" are in newspapers, in your mailbox, and on the internet. How many times have we seen the line, "We can erase your bad credit"? No matter how bleak your credit report may seem, don't believe those statements. There's only one road to take in order to clear bad credit: Create a personal debt repayment plan, stick to it, and be patient.
How to Build Credit with a Secured Credit Card
Looking for a way to build a good credit score even with bad credit history or no history at all? Think about getting a secured credit card.
