Credit card fraud is the illegal use of your credit card by someone who purchases goods or obtains funds from your account without your permission. It’s important to note that identity theft and credit card fraud tend to spike around…
Continue readingAs the holidays approach, our spending patterns can often go into overdrive. We buy gifts, stock up on food and libations and prepare for entertaining friends and family. Even the most budget-conscious people will see increases in their credit card…
Continue readingCredit cards are essential for many reasons. They can help you establish credit (good for your credit score) and even help you out of a bind when you reach into your pocket and realize you don’t have enough cash. However,…
Continue readingThere are 5 factors that makeup FICO® Scores: Payment History, Amount Owed, Length of Credit History, Credit Mix and New Credit. With all of these components included in one score, it’s no wonder that facts can sometimes be “distorted” and…
Continue readingThe holidays are right around the corner. That typically means that the credit card(s) will be coming out in full force. It also means that the credit card bills will start appearing about a month later. Will you have enough…
Continue readingWhen creditors are considering whether or not to provide you with a mortgage loan (and what interest rate to charge you), one of the first items they review is your credit score. Simply stated, the higher your credit score, the…
Continue readingAs you may (or may not know), the 5 most common types of cybercrimes are: MalwarePhishingSpear-PhishingMedical Identity TheftSocial Media Threats So how do you prevent yourself from falling into a phishing trap that can irreparably damage your financial data? When…
Continue readingBack when computers first entered mainstream society, the terms “cyber attack” and “ransomware” didn’t even exist. Why would they? Computers were invented to help, not harm. But the world has changed, and we now need our personal computer setup to…
Continue readingThe annual campaign to raise awareness about the importance of cybersecurity is more extensive than ever. Identity theft. Credit protection. Internet safety. Cybersecurity. You’ve probably heard these terms and most likely know what they mean. But do you know how…
Continue readingJust to make sure we’re on the same page and you really want to be reading this particular article… An FHA loan is a home loan guaranteed by the U.S. Federal Housing Administration (FHA). Private lenders like banks and credit…
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