Credit and Debt

Pre-Approved vs. Pre-Qualified

January 5th, 2015

With many debt instruments, be they home loans or credit cards, the terms pre-qualified and pre-approved are often attached with promotional materials and communications sent. The meaning of the two terms can be quite different, and this article will explain the difference between pre-approved and pre-qualified. Pre-Qualified Being pre-qualified for a loan or a credit … READ MORE

Bank vs. Credit Union

December 31st, 2014

When choosing where you want to conduct your personal banking one broad decision that you have to make is whether you want to use a bank or a credit union. While both provide the same key functions there are some major differences that can drive your choice on whether to use a bank vs. a … READ MORE

Credit Card vs. Debit Card

December 3rd, 2014

We all have them in our wallets, using them every day to pay for things without actually handing over physical cash. Credit cards and debit cards are both methods to make payment electronically, but there are significant differences in how they operate. Understanding those differences is important and can influence you decision on whether to … READ MORE

How to Dig Yourself Out of Credit Card Debt

August 12th, 2014

If you’re considering debt relief and really want to have a panic attack, head over to the FICO and grab your credit score. Now take a few deep breaths before planning your next move. You need to make a move in order to avoid falling further into debt. While paying off high credit card bills, … READ MORE

Debits vs. Credits

November 22nd, 2013

Accounting lingo can get a bit confusing at times and no where quicker than debits vs. credits. Most business managers and individuals without a finance background have found themselves buried in a torrent of debit and credit conversations with their accountant at least few times. Hereâ s a quick guide on what those mean. Debits … READ MORE

How to Find the Best Balance Transfer Credit Card

May 17th, 2013

Taking advantage of a Balance Transfer Credit Card can be a useful way of reducing your interest rates and ultimately speeding up the process of paying off your debt. Credit Card companies are all competing to own your debt and the incentives are there to follow this approach to debt management. Finding the best card … READ MORE

How to Pay Off Credit Card Debt Quickly

May 17th, 2013

While the best advice from most is to avoid it, sometimes incurring a hefty credit card debt becomes an unavoidable fact of life for many people. When faced with credit card debt paying it off quickly should become one’s key financial goal. This is because the interest rates on almost any credit card will be … READ MORE

Understanding the True Cost of Credit Cards

January 25th, 2013

This article explains the true cost of credit cards and shows you how to get out of credit card debt and more importantly, stay out of it.

Overview of Credit Regulations and Your Rights as a Consumer

January 25th, 2013

Find out what credit bureaus and consumer reporting agencies may already know about your credit history, and what rights you have regarding your credit report

Overview of Credit Reports and Their Content

January 25th, 2013

Want to know just what your credit card report is saying about you? Find out what’s in your report, and how to easily obtain it.

An Explanation of Credit Cards and Related Issues

January 25th, 2013

Credit cards are an extremely useful way of paying for products and services. They are often more convenient than cash or checks, and they are almost universally accepted (including over the phone). Additionally, they are a great way for you to establish your creditworthiness. And some cards offer additional benefits, such as rebates, frequent flier … READ MORE

How to Improve Your Credit Score

January 25th, 2013

Concerend about bad credit? Find out about specific steps you can take to improve your credit score.

What to Consider when Choosing a Credit Card

January 25th, 2013

We all know people who have struggled with credit card debt. Find out what points to consider about credit cards so you can avoid falling into that trap.

Introduction to Credit and How to Take Control of It

January 25th, 2013

Credit is one of the most important aspects of your personal finances. Learn the basics behind credit and how to improve your situation

How to Avoid or Escape Credit Card Debt

January 25th, 2013

Trying to escape credit card debt? You're not alone. Learn about steps you can take to improve your situation.

How to Contest Errors in Your Credit Report

January 25th, 2013

If you believe your credit report has errors, you need to take steps to protect yourself. Find out what you can do about it and who you should contact

Different Types of Bankruptcy: Advantages and Disadvantages

January 25th, 2013

Considering filing for bankruptcy? Find out if filing is the right decision for you, and what steps you should take to protect yourself.

What to Avoid When Picking a Financial Advisor

October 17th, 2012

There is “no shame in your game” if you ask for help. Managing money is a monumental task. It is time consuming and often frustrating. While no one is going to care about your money more than you do, it is important to find someone who is going to care about you. The financial services … READ MORE

8 Credit Card Myths You Need To Know

January 22nd, 2010

Many people think that they know all there is to know about credit card issues and how to solve them. The problem is that much of the information that is out there is faulty, unreliable, or just plain incorrect. In this article, we will go over some of the biggest myths surrounding credit card issues. … READ MORE