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How a 600 Credit Score will Ruin Your Life and How to Change It

A 600 credit score isn’t going to lock you out of the money you need but it will affect your life in ways you don’t realize If you’re checking your credit score, it’s probably because you’re thinking about applying for a loan or wondering why your credit card rates are so high. But that FICO […]

Surprising Facts about Bad Credit that Put You in Control

These surprising facts about credit will help you be a smarter consumer of debt and increase your FICO score Despite what Dunkin Donuts would like you to believe, America runs on credit rather than deep-fried donuts. Americans hold $9.1 trillion in debt they used to buy a home and $1.4 trillion to pay for education. […]

The Shocking Difference Between APR and Interest Rate

The difference between an interest rate and APR may end up costing you thousands What’s the first thing you look for when applying for a loan? The interest rate, right? The stated interest rate gets the most attention when we apply for a loan but it may surprise you that it’s not the true cost […]

Six-Step Simple Strategy to Avoid Bankruptcy

Filing bankruptcy is much worse that it seems. Follow these six steps to avoid bankruptcy at all costs. Filing for bankruptcy is pretty much a last resort when you absolutely cannot see any other way out of your financial problems and need a personal finance do-over. The problems caused by filing for Chapter 7 go […]

Things You Need To Consider Before Getting A Home Loan

Purchasing a house is one of the biggest financial decisions any person will ever make in their lifetime. And, a lot of people who are planning to do this opt for home loans. Unfortunately, getting a home loan isn’t as easy as most people think. Before you sign up for one, you have to be […]

What is a Good Credit Score and What Does it Mean?

Instead of asking what is a good credit score, ask what you can do with your FICO score The first thing people want to know after checking their credit score is usually, “Ok, is that a good credit score?” There’s no one answer for what makes a good credit score. What’s more important is what […]