There are lots of facts (some fun… some not so fun) when it comes to credit and credit scores. They’re good to know – not only to show off your knowledge of credit to others, but they also let you…
Continue readingAccording to Experian, “Settling a debt means that you have negotiated with the lender, and they have agreed to accept less than the full amount owed as final payment on the account.” When this occurs, the credit agencies will be…
Continue readingAlthough spending is up, that doesn’t necessarily mean that households are enjoying a positive cash flow. We’ll get to that in a minute. For now, let’s take a look at where the average household is spending their dollars (according to…
Continue readingWhen a bill isn’t paid by a consumer (i.e. credit card, medical, utility, etc.), the creditor has a process to follow. Sometimes this process includes selling the account to a debt collector or turning the account over to a collection…
Continue readingIdentity theft occurs when a criminal uses your personal information for their own benefit or to commit fraud. For example, the thief might use your driver’s license or Social Security number to open an account in your name. Once their…
Continue readingCreating and staying on a financial diet can mean the difference between financial success and failure. That’s why it’s so important to have the tools and rules in place when determining the financial diet that will work best for you….
Continue readingThe way you manage your finances and use credit (both positively and negatively) can impact your FICO® Scores. But how your FICO Scores change can vary widely depending on your credit profile and how you have used and managed your…
Continue readingData 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…
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