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The CreditGUARD of America Blog

How To Talk To Your Children About Debt And Savings

As parents, we try to prepare our children for the world. We pass on concepts like the importance of education and the power of charity work. When it comes to more taboo subjects, it can be challenging to get the conversation started. One such taboo talking point is money, especially debt and savings. It is […]

Paycheck Budgeting

If you have a full-time job, you’re spending 40 hours or more at your place of work every week. This is a substantial amount of your personal time. These hours can begin to feel wasted when you live paycheck to paycheck, making no progress towards paying off your debt or other financial goals. Many believe […]

Purchasing A Home With Bad Credit

Bad credit can happen to anyone. Too many credit cards or late payments can send your credit score tumbling. Unfortunately, these costly mistakes make achieving larger life goals, like owning a home, difficult. If this is your situation, you have options. Purchasing a home with bad credit is challenging but not impossible. A potential homeowner […]

Reverse Mortgage Bankruptcy

Reverse Mortgages and Bankruptcy When you apply for bankruptcy, the widespread effects on your life can be greater than you imagine. You may be aware of the negative impact on your credit score and credit report, but bankruptcy can also halt any loans payments received through a reverse mortgage. For many older homeowners, a reverse […]

Unemployment & Credit Card Debt

There is never a good time to lose your job unexpectedly. When paychecks stop, regular payments that seemed manageable can quickly feel insurmountable. Those who suffer from the growing weight of credit card debt have an added anxiety. Each missed payment creates more debt and negatively impacts your credit score. You may become unsure of […]

Using A Credit Card For Car Down Payment

Purchasing a car unlocks the open road, and with that, a whole new world of possibilities. Your vehicle may give you a sense of freedom, but it can also trap you in debt. An automobile purchase is one of the largest investments in many consumers’ lives. It should be done carefully and with the proper […]

Debt Settlement vs. Bankruptcy

Debt Settlement Does Not Apply to: Mortgages Auto Loans Student Loans The Dangers of Debt Settlement The Center for Responsible Lending offers that most people seeking debt settlement would need a minimum of four accounts to find any benefit from the process. Moreover, working with a debt settlement doesn’t offer any guarantees. Not all lenders […]

What is the Difference Between a Personal Loan & Home Equity Loan?

Are you considering taking out a home equity loan? Or a personal loan? Learn more about these and how they’re different. Secured vs. Unsecured Loans Secured loans are tied to an asset. Loans like these include auto loans and mortgage loans. A home equity loan is like this. Instead of a standard mortgage, a home […]

How Much is Too Much Debt?

While there’s no magic number as to how much is too much debt, there are many signs that can point out when you’ve crossed a line. Telltale Signs of Too Much Debt If you relate to these signs, you’ve probably got too much debt. Read on to see where you stand. Minimum Payment Only How […]

How Much Should I Spend on an Engagement & Wedding Ring?

If you’re wondering how much you should spend on an engagement and wedding ring, there one thing you need to know right now. The two month’s pay rule DeBeers made this rule up to sell diamonds. This “rule” has no more validity than any other arbitrary recommendation. Your decision to spend money on jewelry should […]