Elaine Hiro

The Correlation Between Age and FICO Credit Scores

Building good credit can be a lengthy process, and it is one that is a lifelong process. Since building credit usually starts when you are young and lasts your entire life, it would seem to follow that there may be a correlation with age and credit scores. Overall,... read more

Perfect Date Night Ideas While on a Tight Budget

When it comes to deciding what to do on a date night, many people often have the same visual: expensive food, expensive drinks, fine dining, and lots of money spent. While this may be the case for some people, this is hardly always the case, especially for those who... read more

The Importance of Building Credit for College Students

Building good credit is a lifelong process and one that requires great diligence and discipline. However, these days, the younger generation is not always equipped with the information needed to successfully build good credit. Basic personal finance is not being... read more

Consider Refinancing Your Auto Loan Today

Interest rates are at record lows these days, and that means now is a great time to consider refinancing. This is especially the case for people who have taken out auto loans, particularly those who took out their loans at relatively high rates. Depending on your... read more

Credit Consequences of Foreclosure and How to Recover

When it comes to maintaining a good credit score, this can be a difficult endeavor, especially if you are strapped for cash. Building a good credit score requires persistence and discipline, and it this is often a several years’ process. One event that may have... read more

The Impact of Cryptocurrency on Future Debt Collection

Several years ago, using cryptocurrency was hardly mainstream. Cryptocurrencies were relatively new to the market, and few vendors – let alone commercial banks and the likes – utilized this form of currency. But in recent years, cryptocurrency has risen sharply in... read more

Paying Off Credit Card Debt with Your 401k – Is This Wise

Many Americans are struggling with seemingly massive credit card debt balances. These balances become extremely costly, as credit cards carry an average interest rate charge of 16% annually. Since many of these same people are operating on a tight budget, people are... read more

Five Great Side Hustles for People Over 50

The COVID-19 pandemic has forced people to work from home and also placed a significant financial burden on many. As a result, a large number of people have picked up side hustles to earn extra income. And while it is true that many younger people are pursuing side... read more

Millennials are Underestimating Their Retirement Needs

Saving for retirement can feel like a daunting task, especially when you are young, and retirement feels extremely far away. One of the most important aspects of planning for retirement is accurately predicting how much you’ll even need to save in the first place.... read more

Five Key Strategies for Paying Off Debt

These days, many people are struggling with high debt balances. Managing these balances can be extremely daunting, and the prospect of paying them off can feel nearly impossible when you consider just your day to day needs alone. However, there are some key actions... read more

Budgeting for Back To School Expenses

Fall is just around the corner, and that means many families are preparing for their children to return to the classroom. It also means that these same families are going to have some additional expenses for back to school supplies. This can be a meaningful financial... read more

Consider Freelancing to Pay Off Your Student Loan Debt

Student loan debt is at an all-time high, and that means countless individuals across the country are struggling to repay money they have borrowed – sometimes for years or even decades. While traditional employment can help with the task of paying off debts, there is... read more

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Also See…

For more information on debt consolidation, please visit:

Why Choose CreditGuard? Learn what sets our debt consolidation services apart from the rest and how we can help you take control of your debt.

The Ultimate Debt Survival Guide. Need some practical advice for dealing with debt? You’ve come to the right place. This free downloadable guide can teach you the basics of managing debt (and more).

Is Debt Settlement a Good Idea? Debt settlement and debt consolidation are not the same. Learn more about the process (and consequences) of settling your debts before going down that path.