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What to Expect from Credit Counseling

Offered by nonprofit agencies, credit counseling is a free service designed to help people take charge of their credit card debt and work toward financial stability. Some worry the process may be invasive or intimidating, but it’s anything but. Here’s what you can expect from credit counseling with a certified counselor. Objective Guidance Because they […]

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Online or Phone Credit Counseling — What’s Right for You?

Credit Counseling is a free service offered by nonprofit credit counseling agencies — like Take Charge America — that helps consumers find solutions for their credit card debt. The process includes reviewing a consumer’s income, expenses and debts, formulating a workable budget and developing an action plan to tackle credit card debt. At Take Charge […]

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How to Calculate Your Credit Score

sYour credit score is a critical piece to your personal financial puzzle. It helps determine your creditworthiness and what terms you qualify for on new credit and loans. Your 3-digit credit score ranges from a low of 300 to a high of 850. The higher your score, the more likely lenders will offer you their […]

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5 Questions to Ask Before You Lend Money to a Friend

Most of us don’t think twice about buying a coffee or picking up the lunch tab for a friend who’s low on cash. But what about when a friend asks you for a more significant loan? Before you answer yes or no, ask yourself these questions. They can help you decide if you should lend […]

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What Happens with a Credit Card Delinquency?

When you’re running short on cash, it might not seem like a big deal to miss a credit card payment or two. You’ll make plans to catch up the following month, only to find that money is still tight. By the time the late payment hits the 30-day mark, the delinquency can start to affect […]

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Everything You Need to Know About Credit Limits

Using credit responsibly includes understanding credit limits and how they can affect your finances. Let’s take a look into some common questions surrounding credit limits and what they mean for consumers. What is a Credit Limit? When a consumer opens a new credit card, that card includes a credit limit, which is the amount of […]

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5 Home Repairs You Can’t Ignore

You’ve probably spent more time in your home this year than usual, which means more wear and tear on your house and everything in it. It might start out as a small water stain on the ceiling, a patch of missing insulation in the attic, or a small crack in the foundation. But these small […]

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What is a Charge-Off & How Does it Affect Credit?

Of the many things that can affect a consumer’s credit report and score, having one or more accounts showing as “charged off“ is among the most harmful. Consumers with charge offs on their credit report will have difficulty obtaining any new credit. And what credit they are able to acquire will come with exorbitant interest […]

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Is DIY Credit Repair a Good Idea?

There is no shortage of products and services devoted to helping consumers improve their credit. Among them is credit repair, a for-profit service that promises consumers an opportunity to dramatically improve their credit as a way to attain additional lending, such as a home mortgage, personal loan, or vehicle loan. What credit repair companies don’t […]

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What Really Happens When You Only Make Minimum Payments

When it comes to credit cards, making your payments on time every month is one of the most important things you can do to maintain good credit. But if you’re only making the minimum payment every month, you’re setting yourself up for years of payments. And it could potentially damage your credit in the long […]

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