A little over 12 months ago, my dad approached me about my credit card debt. He wanted to help me get out of it by loaning me money. Needless to say, I accepted the loan and paid off the credit card debt. Looking back, I’m not sure if I would have made the same decision.
Is it really better to live debt-free? There is a lot of talk nowadays about frugality and paying off debt, but why is living with debt so bad?
How well do you handle your finances? Most of us have some bad money habits that continued could leave us eating Alpo for dinner! If not literally, then certainly figuratively.
If you have bad credit, correcting the problem may feel like an overwhelming task. Understanding what happened, how it impacted your credit, and eventually improving your credit reputation can all be intimidating prospects, especially if you try to consider how to fix them all simultaneously. However, by taking each step individually and working through it, moving from bad credit to good credit is not impossible.
Your FICO score is your credit score. According to the Fair Isaac Corporation that computes your score, "FICO® risk scores rank-order consumers according to the likelihood that their credit obligations will be paid as expected." FICO scores are recognized almost universally as the standard in judging a person’s credit worthiness. However, these scores are not [...]
Higher prices and lower home values are contributing to the credit crunch that many Americans are feeling right now. I saw a story this week on ABCNews about a guy who owes $78,000 of debt at least part of which is on unpaid credit card bills. According to the story, he repeatedly accepted new credit [...]
We all know that identity theft and fraud are growing issues today. It is important to protect your personal identity to avoid becoming the victim of such crimes. Thieves use other people’s identities everyday to obtain credit cards and make illegal purchases. This can ruin your good name and wreak havoc with your credit history. [...]
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