debt settlement vs. debt management

Debt Settlement vs. Debt Management—What’s the Difference

Dealing with high levels of credit card debt can be stressful and overwhelming. Simply making minimum payments on multiple accounts every month means a consumer will be paying off that debt for years to come. Fortunately, there are options that can help borrowers get out of debt more quickly. But not all options have a positive effect on consumers...


Financial lessons for kids, kid saving money

5 Essential Financial Lessons to Teach Your Kids

If you’re a parent, you have the power to shape your children’s financial futures. From a very young age, kids see how you conduct your financial life, and will follow your lead as they start to earn, save and spend money. Be sure you are modeling the types of behaviors that will lead to your children being responsible with money. Here are five...


printed credit report

Hard vs. Soft Credit Pull — What’s the Difference?

When it comes to your credit, it’s hard to know if all the information you see and hear is true. For example, does applying for a credit card really lower your score? What about getting pre-approved for a mortgage or applying for an auto loan? And you’ve probably heard you should check your credit score regularly, but might be worried that doin...