the pros and cons of credit cards

The Pros and Cons of Credit Cards

When managed responsibly, credit cards are a useful financial tool. But problems can arise when consumers come to rely on credit cards to pay for everyday purchases, or to fund a lifestyle they can’t truly afford. To avoid unmanageable debt, some consumers choose to skip using credit cards at all, while others keep one card strictly for emergenci...


fundamentals of building a credit history

The Fundamentals of Building a Credit History

Establishing and maintaining a positive credit history is necessary to reach a number of important milestones, including buying a vehicle, purchasing a home and financing an education. Yet, many people don’t understand the basic building blocks of a credit history. Let’s take a look at the fundamentals of building a credit history.    Manag...


are you heading for a financial meltdown

Are You Heading for a Financial Meltdown?

Would you be able to spot it if you were headed for a financial meltdown? For most of us, as long as we’re keeping a roof overhead, putting food on the table and paying our bills, we feel like we’re doing OK financially. But sometimes you have to look a little deeper. It’s possible to be doing all these things and still be headed for a financ...


exploring credit reports and scores myths vs facts

Debunking 6 Myths About Credit Reports and Scores

Credit reports and scores have an impact on many aspects of consumers’ financial lives, so it’s no surprise that there is a lot of misinformation surrounding them. Misunderstanding credit reports and scores and their impact can limit consumers and even lead to making less-than-ideal financial choices. Are you ready to let go of misinformation a...


Young man celebrating his success to stay out of debt

How to Stay Out of Debt Once You Pay it Off

No matter how long you’ve been working at it, finally getting out of credit card debt is one of the best feelings. It’s a huge achievement and something to be proud of. But what happens now? When you finally achieve this goal that once seemed impossible, it can be challenging to know what to do next, or how to maintain that success. Following t...