When you choose to get a credit card, you may wonder: What is the highest interest rate that I can be charged? The answer is that the federal government does not place any caps on the interest rates that credit card companies can charge. Getting a credit card is a risky enough endeavor. If you get one just […]
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Everyone says “you need a good credit score,” but credit scores are only ever spoken about in vague terms. Like most people, you likely wonder: What score is “good enough”? Do an extra 100 points really make that much of a difference when my credit score is already decent? Is the effort of trying to […]
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If you owe money on your student loans, you’re not alone; more than 44 million Americans are in the same boat. You may wonder if your student loans affect your credit score. The answer is yes, they do, but the effect can be either good or bad. It depends, for the most part, on whether you make […]
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Your credit score can have a major impact on different aspects of your life, such as your ability to get approved for a loan. Unfortunately, if you have a less-than-ideal credit score, you may have a hard time getting approved for financing—especially at a reasonable interest rate. As a result, you may be unable to purchase […]
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Buying a house is an exciting experience, but it can also be overwhelming for a first time home buyer. Some people immediately visit a real estate agent, only to find that they’ve skipped a number of vital steps in the home buying process. Others simply don’t know where to start. To help you get on […]
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A tax return is like a yearly bonus; It gives you a lump of cash with no obligations tied to it. With a large enough return, most people are eager to buy a treat for themselves – a vacation, a new TV, or a car perhaps. However, one of the best things a person can […]
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A recent data breach left 880,000 Orbitz customers vulnerable to identity theft and credit card fraud. Hackers gained access to information entered into third-party websites from January 1, 2016 to December 22, 2017. This information potentially included credit card numbers, names, addresses, and dates of birth. Fortunately, no Social Security Numbers or passport information was […]
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Technology, for the most part, is great. It helps you get things done quickly and efficiently. But technology is not without its faults. For one thing, it makes people susceptible to hacking, like the 150 million American consumers affected by 2017’s massive Equifax hack, which puts people at risk for identity theft for the remainder of […]
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Your credit score has a lot to do with whether you succeed or fail — both financially and in other areas of life too. You probably know that your credit plays a part in whether or not you get a mortgage or an auto loan. But, poor credit doesn’t just impact your finances. Your credit […]
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With many people living paycheck to paycheck, it’s understandable that there are times when you can fall behind on your bills or make bad credit decisions. Once things start to snowball out of control, it can be hard to get back on track. If your FICO score has begun to sink or it’s already hit […]
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