How to Start Saving for Retirement

For most young people, retirement is nothing more than an afterthought. As such, most folks don’t begin drafting their retirement plans until they approach their 40s. More than half of Americans aged 18-34 have yet to begin saving. And 42% of adults ...

How to Raise Your Credit Score

A good credit score signals good financial health, and with more than just a fair score, creditors will be more confident about extending you a line of credit in its various forms and at some of the most favorable terms.

How Can I Stop Living Paycheck to Paycheck?

Living paycheck to paycheck can be incredibly stressful. It means that if a financial emergency were to come up, you could end up finding yourself in a lot of trouble. You need to have a little bit of flexibility so that you can pay your bills ...

How Long Will Negative Information Stay on Your Credit Report?

Your credit report not only provides your credit score, but also your credit history. Lenders will often take a look at your credit report to determine how financially responsible you are. Things like late payments and missed payments help lenders ...

Understanding Credit Scores and How it Affects You

Creditors will pay particular attention to your credit score when assessing whether or not to extend you a line of credit. These scores are also called risk scores as they help the creditors assess the level of risk of you not being able to pay what ...

7 Ways to Improve Your Credit Score

There's going to come a time in your life (if it hasn't already) when you'll need to borrow money in order to make a large purchase. For example, few people are able to pay for a car or a house out of pocket. When this time comes, you'll need to ...

How Does Debt Consolidation Affect Your Credit?

If you have racked up the debt across the years, don't feel bad! Just about everyone has accumulated a substantial amount of debt at one point or another. After all, most people cannot afford to pay for a college education, a home, an automobile, ...

How is Interest Calculated on a Credit Card?

Credit cards are tricky. Everyone knows how they work, but few people know how they really work. The basics are easy to understand. You're provided with a line of credit. You use your credit card on whatever you want to purchase. You have to make a ...
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