5 Things To Protect Your Credit Score This Holiday Season!

1. Avoid Department Store Offers for Instant Credit and Don’t Open Up New Lines of Credit “Would you like to save 10% today on your purchase today?”. We have all been asked that question when paying for our purchases. Every store under the sun would like to offer you their own credit card. This is not good for your score. The damage to your score you’ll incur by opening up... [Click here to Read more]

Five Reasons to Save Money

If you have a good job with a decent income, saving money for the future may not be something you have given much thought to. Many people who are living comfortably or even just getting by are not really thinking about the reasons they might want to save for the future. For a large majority of individuals, the mindset of ‘letting tomorrow take care of itself” seems to have become the norm. If... [Click here to Read more]

How To Calculate Home Pay Using a Free Paycheck Calculator

After deciding on tax year and state, Enter the applicable per period gross pay amount indicated on your pay stub in the first text box on the free paycheck calculator, and select the “per pay period” option in the drop down menu located immediately below this text box. It is also possible to calculate the total net earnings for an entire year by selecting “annual” and entering... [Click here to Read more]

Are You Credit Worthy?

Having good credit is essential in today’s world. Acceptable credit will generally get you what you want, but bad credit can be the kiss of death. If you want a house, you need a mortgage. If you want a car, you’re likely going to take out a loan. Anytime you apply for credit, the lender is going to pull your credit report to determine whether or not you are a good credit risk. Not everyone... [Click here to Read more]

Building Good Credit

Through the Holidays….every holiday season, shoppers tend to spend substantially more than they typically would any other time of year. However, many don’t realize or ignore the dangers they face with potentially marring their credit history and credit score by running up large credit card debts. You can actually use this time to put efforts into building good credit. So, if you are one who... [Click here to Read more]

Paying Off Your Student Loans Early

If receiving your diploma was the highest point of your college career, the shock of getting the bill for your first student loan payment may be the lowest. It’s even more shocking when you realize you could be spending the next ten, fifteen or thirty years making payments that are often more than your rent. After you subtract your student loan payments from your weekly paycheck, you may feel... [Click here to Read more]

Maintain Good Credit

Help to maintain good credit by practicing these basic credit card safety tips. Credit cards have been around for decades, beginning primarily as store purchase credit cards that were “swiped” manually in a credit card machine to the ones we have today which contain all of the information necessary to perform a transaction on a thin black strip. Living today without a credit card is a rare occasion... [Click here to Read more]

Establishing Good Credit

Rebuilding your credit score can be as simple as picking a good credit card to apply for and then making good monthly payments towards the balance on that card. When you make regular payments on a card with a smaller credit limit, lenders are more willing to lend larger amounts. There are some tips to keep in mind while applying for and using credit cards to rebuild your credit. Also see our page... [Click here to Read more]

First Step To Initiate A Good Credit Rating

One of the first things young adults need to know when they’re just starting out on the road to the rest of their life, is how important it is to build and maintain good credit. In the world we live in today, your credit rating is the basis of how you are treated by the big businesses you will find you need to work and deal with in your day-to-day life. It doesn’t matter if it’s... [Click here to Read more]

Good FICO Credit Score

Bad Credit : Understanding The Basics Most people do not fully understand what bad credit actually is or how it is measured. Many years ago, the Fair Isaac Corporation designed a credit scoring system that is called FICO. What is considered a good FICO credit score? All three national credit bureaus currently use the FICO score when assessing an individual’s creditworthiness. However, each will... [Click here to Read more]

Next Page »