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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.
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.
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.
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.
College Students: Do You Know These 4 Credit Card Tips??
Depending on how you look at them, credit cards can be very scary — or liberating — things. On the one hand, you finally have a tool that will allow you to purchase concert tickets online, reserve a hotel room, and build a credit history. On the other hand, when you're a starving student with little income coming in, having any amount of high interest credit at your disposal can be dangerous. That's why it's important to have a plan when applying for your first credit card — and stick to it.
Canadians More in Debt than Ever
No matter how you look at it, Canadians are deep in debt. The Certified General Accountants Association has studied our debt-to-income ratio, our debt-to-assets ratio, and our debt-to-net worth ratio, and all have greatly deteriorated in 2008.
Controlling Your Credit: A Guide to Living Beneath Your Means
We work hard for the money, but it seems the second that paycheque goes through- we’re in the 100-meter dash to see how fast we can spend it. Interestingly, it isn’t just the people making less money that are living the paycheque-by-paycheque cycle. This type of spending behaviour is one that seems to cross all salary brackets. Even when one does obtain a raise or bonus, which are often hard to come by, the immediate inclination is to ‘upgrade’ in some way or another. The reality for most of us is that the more money we have, the more frivolous we are.
