Personal Finance Archives

How Does Info Get On Your Credit Report?

Check out this infographic that Experian created which explains exactly how information gets on your credit report. Source: http://www.experian.com/blogs/ask-experian/2015/05/21/infographic-how-information-gets-on-your-credit-report/

Credit Score

Improve Your Credit Score

We all know that our credit score matters when it comes to making certain purchases, particularly larger ticket items like cars, RVs, and ATVs. Your credit score reflects your individual credit payment patterns over time, with more emphasis on being placed on recent credit history. You should check your credit report periodically to see a… Read more »

Cutting Up Credit Card

Avoiding Credit May Negatively Affect Your Credit Score

We’ve all heard the mantra, that using too much credit can be bad, and that you should pay with cash whenever possible. This may be the reason why more and more Americans are using their debit cards for regular purchases. Thought it is correct that you should live within in your means, it is important… Read more »

Xmas Shopping

Bounce Back From Holiday Debt

Did you have too merry of a Christmas, and maybe spent too much this last holiday season? It’s okay if you did, and you might be surprised to find that you are in common company. It is common for the average shopper to spend more during the holiday gift giving season that what they might… Read more »

Credit Score 2

Check Your Credit Score For Free

Credit Scores might seem like a bunch of numbers, but we know better, since your credit score and the details of your credit report help lenders decide your credit worthiness and whether they will offer you a loan. Under Federal Law, Americans are entitled to one free credit report in every 12 month period from… Read more »

Goal Setting

New Year New Loan

With 2015 starting, it’s a great time to decide what your financial resolutions are. What are your financial goals for this year, and how do you hope to get there. For some of you, it might be a new car purchase. For others, it’s finally time to take that desired trip to the Caribbean. Here… Read more »

Credit Score

3 Reasons Why Your Credit Score Matters

We’re told all the time that our credit score is important to your financial health. Your credit score has a huge impact on some of life’s biggest financial experiences, since a good credit score gives you more options, better terms and bigger savings. The following are 3 examples of when your credit score has an… Read more »

Christmas Shopping

Safer Holiday Shopping By Using Credit

The Holiday season is a fantastic time to stretch your budget to cover a few purchases that you are sure will bring a warm smile on Christmas Morning. Which card should you use when playing Santa Claus? Your credit card or your debit card? It’s easy to assume that your debit card would be your… Read more »