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Archive for the ‘Credit Counseling’ Category

4 Ways to Help Build Your Credit

Are you dealing with less-than-perfect credit? Perhaps you’ve been trying to apply for a loan but the offers you’ve received are way too high? Though your credit score may sound like just a random number, it’s actually much more than that. A good credit score helps you secure better loan options, which in turn will […]

Common Credit Mistakes

It wasn’t that long ago that financial experts were recommending young adults open credit card accounts to help them build up their credit. As a result of the variety of financial crises that have taken place in the last few years, these suggestions have since become far less common. Still, people of all ages get […]

Spring Break or Spring ‘Broke’?

If your expectations of the perfect spring break are being squelched by a lack of funds, you don’t have to sit around at home watching reruns and eating cheesy microwavable dinners. Instead of shouldering the burden of dealing with debt this spring break, why not plan a ‘staycation’ instead? What Exactly Is a Staycation? A […]

Stop Doing Dumb Things with Your Money

Doing dumb things with your money is easy. Being smart with your money is hard. If you want to be more financially secure, it’s imperative that you start by better managing your money. Take a look at a few simple everyday spending habits; look at why they’re costing you more than you think, and what […]

Can Buying in Bulk Actually Cost You More?

There are two types of shoppers: those who shop more but buy less and those who shop less but buy more. In theory, buying in bulk helps you save money because the individual price for something is lower. In other words, the more you buy, the more you save. However, buying in bulk can be […]

An In-Depth Look at Common Mistakes to Avoid on Your Tax Return This Year

Are you among the millions of Americans who are waiting till the last minute to file their tax return? Experts say those who wait longer tend to make more mistakes on their return form, which in turn can cost people both more money and more time. It’s estimated that over 80 percent of tax returns […]

How to Tell If You’re Headed for Credit Card Debt

Credit card debt affects consumers from all walks of life. In fact, millions of Americans deal with past-due credit card bills that they simply can’t afford to settle. If you’re one of them, you shouldn’t feel ashamed. The only surefire way to prevent credit card debt is stop it before it begins. So, instead of […]

How to Prevent Credit Card Fraud

Did you know that 10 percent of Americans say they’ve been victims of credit card fraud? Though you can’t always prevent fraud from happening, there are ways to better protect yourself. Here are a few tips to help prevent credit card fraud and steps to take should you fall victim. 1. Always Remember to Properly […]

How to Avoid Get-Rich-Quick Schemes

When you’re finding it harder and harder to make ends meet, it becomes more and more tempting to look for a “quick fix.” That’s why millions of people who struggle with shrinking incomes, mounting debts and squeezed budgets turn to so-called get-rich-quick schemes as a way to help them climb out of debt. Unfortunately, such […]

An Insight on Credit Scoring and Steps to Upgrade It

Have you ever wondered how to get approval for your credit online application within minutes, even when there are thousands of applications with the lenders? With the help of FICO scoring model, the fastest way to evaluate the creditworthiness, the lenders calculate the likelihood that the person will make repayments of his debt or not. […]