5 Times A Good Credit Score Can Make or Break You

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5 Times A Good Credit Score Can Make or Break You
5 Times A Good Credit Score Can Make or Break You Rachel Thu, 11/30/2017 – 08:51 Five times you need good credit Image by Bryan Minear via Unsplash If you chose bankruptcy to deal with your debt, it could be life-changing for the better. But after you get your bankruptcy discharge, it’s time to start the work […]
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Staying Money Smart in College

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Staying Money Smart in College
College years have been stigmatized as a time for Ramen noodles, maxed out credit cards, scraping for spare coins, empty pockets and even emptier wallets. Well, it is time to break those infamous trends! It will take some hard work and discipline but it will be worth it—take it from a former broke college student. […]
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What Happens When You Pay Off A Loan Early?

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What Happens When You Pay Off A Loan Early?
Living with debt is an expensive and super stressful experience. Though the road may seem long, paying off debts and loans will strengthen your financial future. Nearly every type of… The post What Happens When You Pay Off A Loan Early? appeared first on Advantage CCS.
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Prepaid card regulations survive GOP repeal effort in Congress

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Prepaid card regulations survive GOP repeal effort in Congress
Prepaid cards will get protections from surprise fees and other problems, as an Obama-era regulation survives Republican repeal attempt.
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What Parents Should Teach Their Kids by Middle School

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What Parents Should Teach Their Kids by Middle School
Joel Chrisler, host of the popular Internet radio show Real Life 101, shares financial topics parents should teach their children throughout middle school.
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Vetting a New Bank for Your Business? Ask These 4 Questions

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Vetting a New Bank for Your Business? Ask These 4 Questions
I have a friend who researches everything to the Nth degree. He dives deep and never lets a penny get by him. You probably have a friend just like him. (If you’re smart, you are him.)                          We were talking recently about his relationship […]
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Top 10 Gifts for New Grads

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Top 10 Gifts for New Grads
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Worst-Case Scenario: What Does a Late Payment Do to My Credit Score?

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Worst-Case Scenario: What Does a Late Payment Do to My Credit Score?
You can go here to see what a worst-case scenario bankruptcy could do to your credit.) However, Paperno said, a consumer could see their score return to its pre-late-payment days in a few years. In a worst-case scenario, one late payment will lead to …
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Habitat for Humanity hosting free home ownership education classes

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Habitat for Humanity hosting free home ownership education classes
Getting started with making a plan for your money; The importance of saving; What is a credit score & credit rating; Improving your credit record. April 4th at 6:00 p.m – Getting a Mortgage Loan. Who can get a mortgage loan? How much will a lender loan …
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The Master "Do It Yourself" Credit Repair Guide Just Released for Free

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The Master "Do It Yourself" Credit Repair Guide Just Released for Free
What is a credit report? What does mine say and how do I get one? These questions are on many people's minds and are one of the first topics discussed in the book. Legislation called the FACT Act was passed that allows all Americans to get one free …
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5 States With the Highest Average Credit Card Debt

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5 States With the Highest Average Credit Card Debt
Although your credit score could be dinged for getting too close to your credit limit on one or more of your credit cards (credit agencies typically don't view consumers who are have spent up to 30% of their credit limits or more kindly), transferring …
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Identity theft: Be careful when purging sensitive documents

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Identity theft: Be careful when purging sensitive documents
A lot of people start the new year by cleaning house. If that's your annual tradition, the Better Business Bureau reminds you to do it safely. Be careful how you throw away documents. “Be very careful about what sensitive documents and personally …
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First-Time Home Buyers Guide: Buying With Low Credit Scores

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First-Time Home Buyers Guide: Buying With Low Credit Scores
When you're a first-time home buyer, you face challenges that experienced home buyers don't face. For example, you may have less money saved for a down payment; or a collection of student loans which is weighing on your household budget. You might …
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Parents need to be aware of student loan pitfalls

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Parents need to be aware of student loan pitfalls
The CFPB analysis found that many lenders don't include a specific credit score floor necessary for releasing a co-signer. The lack of these specifics “raises questions about whether lenders … Another complicating factor is that many private student …
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Be aware of tax changes

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Be aware of tax changes
… the number of taxpayers who file electronically, which means those due a refund will get them quicker. Another reason to file quickly is to protect yourself from identity theft. The IRS says cyber-crooks are as busy as ever at stealing Social …
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Free credit monitoring sign-up falters, despite Georgia data breach

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Free credit monitoring sign-up falters, despite Georgia data breach
As of Monday morning, 9,545 people had registered with the Austin, Texas-based CSID — the data protection company the state hired last month to provide voters a year of free credit and identity theft monitoring services, costing the state $1.2 million.
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Hold Security: 5 Fast Facts You Need to Know

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Hold Security: 5 Fast Facts You Need to Know
Get some tips on how to protect yourself from identity theft in the video above. Hold Security says 1.2 billion online accounts might have been compromised by a Russian hacking ring. Hold Security wrote a blog post on their site entitled “You Have Been …
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From the Chief: A fresh start

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From the Chief: A fresh start
Did you resolve to lose a few pounds? Maybe get to the gym more often, or take some long walks this year? Paint the house, save some money, or maybe even take that much-needed vacation? The new year is a great time for a fresh start, time to make a few …
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OPM Breach: Credit Monitoring vs. Freeze

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OPM Breach: Credit Monitoring vs. Freeze
Removing a security freeze to enable credit monitoring is foolhardy because the freeze offers more comprehensive protection against ID theft. Credit monitoring services are useful for cleaning up your credit file *after* you're victimized by ID thieves …
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Should we Let Our House Lend a Hand to Consolidate our Debt?

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Should we Let Our House Lend a Hand to Consolidate our Debt?
Q: My wife and I have about $20,000 in credit card debt, we owe $15,000 on our SUV and another $18,000 on our line of credit. We know we have to make some changes and pay down our debt. The good news is that we bought our home about 5 years ago …
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Elections Canada on the hook for monitoring employees' credit history after …

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Elections Canada on the hook for monitoring employees' credit history after …
The theft of a portable hard drive that sells for a few hundred dollars has ended up costing Elections Canada nearly $23,000. The agency was forced to hire credit monitoring company Equifax to keep tabs on the credit histories of Elections Canada …
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OPM IG: Credit-monitoring deal violated FAR

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OPM IG: Credit-monitoring deal violated FAR
A contract to provide credit and identity monitoring services to millions affected by this summer's hack of the Office of Personnel and Management was made in violation of federal acquisition rules, according to a ruling from OPM's inspector general …
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See An Error On Your Credit Report? Credit Karma Now Makes It Easy To Dispute

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See An Error On Your Credit Report? Credit Karma Now Makes It Easy To Dispute
The types of errors that lower a consumer's credit score include collections accounts and fraudulent accounts where the fraudster has run up a huge balance. Errors that would not lower the score include things like balances that would typically be …
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Credit Score Piggybacking Survival Guide

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Credit Score Piggybacking Survival Guide
Getting the ball rolling when building (or rebuilding) credit is a classic catch-22. You need credit to build credit. If you have absolutely no credit history – or if you have a bottomed-out credit score – then lenders are less likely to extend the …
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Are you the 61 percent? Most Americans remain ill-informed about personal finances

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Are you the 61 percent? Most Americans remain ill-informed about personal finances
Whenever I urge people to stop being serial auto-loan consumers, I get bewildered looks. I mean it. Pay cash for your car and make the math work in your favor. Michelle Singletary writes the nationally syndicated personal finance column, “The Color of …
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4 Warning Signs Your Teen Is Destined for Bad Credit

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4 Warning Signs Your Teen Is Destined for Bad Credit
Has your teen ever overdrawn a checking account, gotten a speeding ticket or charged more than agreed on your credit card? Most teenagers and young adults make financial mistakes like these at some time (even future personal finance experts). But, once …
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