Holiday Debt? Our Top 10 Hacks to Get Debt-Free Fast

Holiday Debt? Our Top 10 Hacks to Get Debt-Free Fast

If you’re starting the new year under the burden of old debt, you are not alone. Last year, Americans racked up an average of more than $1000 in holiday debt, according to financial experts at CNBC. Making only the minimum monthly payment…
4 Ways to Establish or Rebuild Credit

Part 2 - 4 Ways to Establish or Rebuild Credit

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In How to Build Good Credit, we discussed how a history of responsible credit behavior can make it easier to get a loan, a credit card or even a job. This can make it tough if you’re just starting out in life or if you’ve had some credit…
How to Build Good Credit

Part 1 - How to Build Good Credit

While the benefits of good credit are well-known, the costs of bad credit can be greater than you think. If you’re able to get approved for a loan at all, you’ll pay more in interest – and, in many cases – a lot more.Bad credit can…

The Evolution of Credit

 Believe it or not, there was a time when consumers had no choice but to pay cash or write a check for every purchase. And it wasn’t that long ago, either. Here’s a brief timeline showing the recent and rapid evolution of credit cards:Early…

How to Get Out of Debt

Debt Can Be Incredibly Overwhelming“Every time I sat down to pay bills, I felt like I couldn't breathe. Our debt was so overwhelming. Sometimes it felt like someone had dropped a huge rock on my chest.”That’s how Vanessa described…

How to Calculate Your Debt-to-Income Ratio

Knowing your debt-to-income ratio is important to understand how it can affect your credit score and credit approvals.Your debt-to-income ratio (DTI) is more than just a number. As a key indicator of your overall financial health, it could…