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By the time you read this: Identity Theft will Strike Again

Identity theft hits a new victim every two seconds. Is your financial future safe from hackers and thieves? A California man pled guilty to identity theft in 2008 for obtaining the banking information of an insurance company’s policyholders and using it to steal $764,000 from their checking accounts. He got just 27 months in prison […]

How I Fought Back from Credit Score Disaster

The six steps I used to add 140 points to my FICO score after a credit score disaster It was Bob Hope that said, “A bank is a place that will lend you money if you can prove you don’t need it.” If you’ve ever faced a credit score disaster like I did, you know […]

Four Reasons You Were Denied Credit on a Loan

These four reasons explain why you were denied credit on a personal loan and what to do about it We looked through loans made on Prosper and Lending Club last week to sort out some of the biggest factors that affect your interest rate on a personal loan. The information led to some great ways […]

Find your Interest Rate by Credit Score: Get your Best Rate

Find your interest rate by credit score on peer loans and how to get better rates on the money you need I never thought much about credit and interest rates until I couldn’t get a loan. Getting a loan can feel like trying to get access to an exclusive club where a small group of […]

Do you Know how to Rank your Debt?

Knowing how to rank your debt can open up new opportunities and improve your credit score Debt is bad! Paying off your debt is good! That seems to be immutable rule in personal finances with blogs regularly publishing stories of how one couple pays down tens of thousands in just a few months. You don’t […]

Your Complete Debt Consolidation Process

The debt consolidation process can save you money on interest and help get your credit back on track Up to this point on the blog, I’ve talked about how to save on everything from vacations to homemade cleaning products. The Frugal Grandma wasn’t always so good with her money though, there was a point when […]