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Credit Cards & Loans

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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...


5 Things NOT to Do When Getting Out of Debt

Making the decision to get out of debt can be life-changing. But it can also be frustrating and tempting to give up if you don’t see much progress. Just remember, you didn’t accrue the debt overnight and it’s not going to go away overnight, either. You’ll enjoy more success and less frustration if you can see your credit...


Tips for Using Credit Cards Wisely

There’s a lot of conflicting advice on the responsible use of credit cards. Some experts warn that cutting up cards and using cash for every purchase is the only sure path to financial wellbeing, while others suggest healthy credit card use is necessary for building a good credit score. Here are 13 must-do tips for responsi...


How Do Young Adults Establish Good Credit?

Establishing good credit is an essential step for young adults who are eventually looking to purchase a car, a home and achieve other important milestones. Additionally, many employers now review applicants’ credit histories as part of the hiring process. Establishing and maintaining good credit is vital to future success, but...


Payday Loans or Cash Advance Stores

As the cost of everything continues to rise, many people are finding themselves running out funds before their next payday. Some are turning to payday loans or cash advance stores just to make ends meet. However, many people are not aware of the total cost of payday loans. Many payday borrowers don’t understand that a $15 or $...


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