Data from Northwestern Mutual’s 2018 Planning & Progress Study discovered that money is the number one cause of stress among Americans. Financial stress appears to be more of a problem than personal relationships or work. As a matter of fact,…
Continue readingA fraud alert is basically a “red flag” that alerts creditors of the fact that you might be (or have been) a victim of identity theft. Even if you haven’t been a victim, a fraud alert encourages third parties to…
Continue readingThese days, most of us base our budgets on what we can afford on a monthly basis – without much attention paid to what it’ll cost us in the long run. We pay monthly for subscription services or TV equipment…
Continue readingOkay… was one of your New Year’s resolutions to stick to a budget? Now that we’re a little more than a quarter of the way into 2019, how are you doing with your budget? If you’re not where you want…
Continue readingApril is National Financial Literacy Month which serves as a nice reminder on the importance of taking stock of your current financial standing as well as setting financial health-related goals and creating a process to track your progress. This should…
Continue readingThere appears to be new things happening within the realm of credit cards – from how your credit is assessed to interest rates to credit card rewards. Depending upon your current situation, some of these trends might be positive, while…
Continue readingWhen it comes time to get a home loan, educating yourself is essential. Whether it’s knowing what’s in your credit files and understanding your current debt or simply being aware of how your current employment can affect the outcome of…
Continue readingMost consumers know the score (no pun intended): If your credit score is good, you’ll most likely get the loan you need with a decent interest rate. If your credit score is low, you’ll probably be rejected for the loan….
Continue readingThe top three consumer reporting agencies (Equifax, Experian, and TransUnion) collect consumer credit information and sell that information to third parties. They collect that data from creditors (i.e. banks and credit card companies) and provide it to institutions, typically other…
Continue readingA more important question might be: Why is the “Status of Accounts” so significant to my financial health? The “Status of Accounts” section is viewed by lenders so they can assess your creditworthiness. It also enables them to determine how…
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