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Which Credit Card is Right for You?
There is a plethora of credit cards available these days to choose from, but how do you know which ones are right for you? Well, here’s a breakdown of the types of cards that are out there.
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.
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.
Harder to Get Approved for a New Mortgage
Wells Fargo announced that it is pulling out of the Canadian market. The slimmer selection of viable mortgage options is making it tough on consumers—including those with reasonably good credit. Most affected are those with credit scores below 680.
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.
The Top 5 Credit Cards (Bonus: Stellar Credit NOT Required)
Many Canadians are feeling the pinch of this recession – and experiencing larger credit card bills as a result. If you've found yourself in this category, and the balance is more than you can pay off in one month, you'll be happy to know that you're not stuck with that 18.5% interest rate.
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.
Married? Your Credit Score is Still Single
It’s natural for newly married couples to want to share everything, from a bucket of popcorn to a bubble bath. But should you share all of your financial accounts as well?
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?
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.
