3 Ways Credit Matters to Everyone

[Y]ou pay everything with cash. Your motto is “If I can’t pay cash, I can’t afford it.” That means no credit ever. You may assume that you don’t need to worry about your credit score if you don’t plan to use credit to buy anything. Unfortunately, credit isn’t just about loans and credit cards. A ...
3 Ways Credit Matters to Everyone

What You Need to Know about Bad Credit Personal Loans

[G]etting a personal loan is an option when you need money for an unexpected expense, to make a purchase or for other expenses. Some people use it to finance a vacation, wedding or other event. However, if you have bad credit, it can be difficult to qualify for one of these loans.
Luckily, there...
What You Need to Know about Bad Credit Personal Loans

What You Need to Know about Bad Credit Car Loans

Buying a car is very difficult if you have bad credit. However, it’s not impossible, thanks to the bad credit car loan lenders who will finance for those with less than perfect credit. Before you get too excited about this option, make sure you know what you’re getting into.
High Risk = High Pay...
What You Need to Know about Bad Credit Car Loans

Dealing with Financial Stress

[Y]ou jump when the phone rings, hit “Ignore” on your cell phone when a number you don’t recognize pops up, and dread getting your mail from the mailbox. Pay day isn’t something to look forward to because you have to figure out which bills to pay and which ones to postpone. And you dread the day ...
Dealing with Financial Stress

3 Mistakes People Make When Trying to Improve Bad Credit

[Y]ou get a lot of advice when you research online about how to improve bad credit. Some of it is not so good, a waste of time or worse. There are three major mistakes that people make when they are trying to rebuild their credit rating.
Mistake #1 – Hiring a Credit Repair Company
You’ll see adv...
3 Mistakes People Make When Trying to Improve Bad Credit

4 Steps to Improve Your Credit

[F]or people with bad credit, they are often looking for the easiest or best ways to improve their credit scores. While the quick-fix schemes promised by some companies don’t really work, there are some steps you can take on your own. You won’t see an improvement overnight, but your credit score ...
4 Steps to Improve Your Credit

Why Credit Scores Matter and What They Mean

[Y]ou hear a lot about credit scores when you’re applying for a loan or credit card. You may also hear about good credit and bad credit when you get insurance or rent a vehicle or apartment. With all of this hype about credit scores, why do they matter so much?
A Picture of a Moment in Time
Your ...
Why Credit Scores Matter and What They Mean

The Basics of a Credit Report

If you’ve been researching about how to improve your credit, you’ve probably read about credit reports. Many times, articles and other information assumes you know what a credit report is and how it looks. For those without that knowledge, here are the basics.
What Is a Credit Report?
It’s a list...
The Basics of a Credit Report

3 Ways to Get an Emergency Fund Fast

The car broke down and the mechanic says it will cost $300 to fix it. It may not sound like much money, but for many people it means they can’t pay another bill. The reason is they don’t have an emergency fund, which can help them pay unexpected bills and protect their credit rating.
An eme...
3 Ways to Get an Emergency Fund Fast

3 Things You Need to Understand about an Emergency Fund

An emergency fund is something every adult should have. It provides funds to have on hand in case an unexpected expense comes up. It may be a car repair, sick person, home repair or other expense that you didn’t budget in. Many people try to build an emergency fund but fail. Here are three t...
3 Things You Need to Understand about an Emergency Fund

Should You Get Debt Counseling Help?

You’ve probably seen the ads for debt counselors, promising to help you get out of debt and improve your credit score. You may wonder if they can help you and if you should find a company to begin working on improving your credit score.
Who Needs Debt Counselors
First, you need to understand t...
Should You Get Debt Counseling Help?

The Number One Thing You Can Do to Improve Your Credit

Look up information on improving a credit score or how to get good credit, and you’ll find all kinds of advice. Some of it is accurate while some is advice you should never follow. Some of the tips will cost you money like hiring a credit repair company. Much of the advice will fail to give you t...
The Number One Thing You Can Do to Improve Your Credit