3 Total Myths That Do Not Hurt Your Credit Score

There are several myths about what can hurt your credit score, which is a little annoying since there are a lot of things that actually can hurt your credit score that you need to keep in mind without getting confused. Unpaid collection accounts, past due accounts, and short credit history are some of the few of the things that you will want ... More

Here’s Why You May Only Need Two Kinds Of Credit Cards

Wondering how many credit cards you should have? Well, that depends on who you ask. Some financial experts say zero—as in none and that it isn't worthwhile to open a single card up. Others say that you should sign up for as many as you can handle (which is especially important to consider if you're signing up for credit cards that have ... More

Advantages of Salary Loans

Have you ever heard of salary loans? Salary loans are similar to payday loans except the fees are much lower and they are done at your local bank. A payday loan is a short term, unsecured loan that usually caps at $500 (though depending on your needs, there's also usually some wiggle room allotted). With a payday loan, you're expected to pay ... More

What Are Construction Loans?

For those who built a home rather than bought an existing one, you might notice that traditional mortgages aren’t applied. Of course, it's a difficult endeavor to set out on to try and figure out how to build a house by yourself; it'll be a difficult road, for sure, but it'll be way more worthwhile in the end.  Instead, you’ll likely ... More

Why You Shouldn’t Ignore a Credit Card Because It Has a Fee

A quick internet search will elicit dozens upon dozens of credit card offers, and most consumers are programmed to automatically ignore those that charge annual fees. After all, why use a card with fees when there are so many that don’t charge them? As it turns out, there are a few good reasons not to ignore a credit card simply because it ... More

How to Raise Your Credit Score

As you probably know, a healthy credit score is important to your financial health, but many people struggle to overcome past mistakes. Since credit scores consider many years’ worth of your purchase and payment history, it can take time to improve your score even incrementally. Luckily, there are a few simple ways to get your score moving ... More

Mortgage Loans That Get Denied

No one wants to deal with taking out a mortgage loan and having it denied. Of course, it's never the ideal situation to apply for a loan and then receive a rejection for it. Recently the Urban Institute calculated real denial rates to determine which mortgage loans are denied most often. It shows that more often people with lower credit ... More

Credit Card Perks You May Not Know About

Sure, credit cards are a great way to finance purchases when you don’t have the cash, but they’re also a great way to enjoy extra financial value. Credit card perks like cash back and travel rewards are fairly common, but now card companies are offering even more benefits that you may not be familiar with yet. Exclusive Event Invitat... More

The Homeowner’s Insurance Misconception You Want to Avoid

According to the Federal Emergency Management Agency (FEMA) just a single inch of water inside your home can cause $25,000 worth of damage. Are you covered in the event of a flood? Many homeowners are under the dangerous misconception that standard homeowner’s insurance covers flood damage. However, the opposite is true – most policies ... More

How to Save Money on Auto Insurance

Saving money on car insurance is on every driver’s mind. There are many opportunities for discounts, which sometimes you will only know about if you ask. Having good credit is important in many aspects, as well as in getting the best rates for auto insurance. Many insurance companies use credit information to make a decision about the price ... More