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Credit Cards & Loans

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Seven Strategies for Paying Off Credit Card Debt

People faced with high credit card debt face another challenge, too: picking and choosing from various techniques, strategies and “must-do” approaches to bringing balances back to zero. There are many approaches, but the right strategy depends on your financial habits, personality and motivation for paying balances. The s...


Steer Clear of these High Interest Loans

Payday loans have been in the news again recently, as the Consumer Federal Protection Bureau (CFPB) proposes new rules that will force lenders to determine a borrowers’ ability to repay, as well as limit the number of times customers can repeat the loan. Currently, more than 90% of payday loans are repeated an average of seven...


Secured, Unsecured & Pre-paid Cards — Which is Best?

As the financial landscape becomes more and more complex, consumers have more choices than ever before. And while that can be a good thing, it’s important to understand the options available when making important decisions. That’s especially true when it comes to the types of credit cards available. Here’s a breakdown of w...


How to Monitor Your Credit

No matter what your financial goals are, knowing your credit score, how to read your credit report, and how to address errors on the report will help you take the steps necessary to achieve your goals. Use the following information as a guide to become more knowledgeable about your credit. YOUR CREDIT REPORT Your credit re...


The Pros and Cons of Cosigning

Having a friend or family member ask you to cosign a loan can trigger a number of questions and concerns. Because someone you care about needs help, it can be tempting to agree to be a cosigner, without thinking through all the possible things that could happen as a result. Here are some things you should know about what it mean...


Secured vs. Unsecured Debt — What’s the Difference?

Consumer debt is broken down into two categories: secured and unsecured. You’ve probably heard those terms before, but do you know what they really mean and how they can affect your financial situation now and in the future? Read on to learn the differences between secured and unsecured debt and see some examples of each. S...


5 Benefits of a Good Credit Score

By now, you probably know that a high credit score is better than a low one, but do you know all the reasons that’s true? A good credit score and solid credit history can have a positive impact on many facets of your life. If you’re not there yet, don’t worry! You can improve your score over time. For reference, a “good...