What’s In Your Credit Score
A credit score is how lenders estimate how much risk a particular applicant has of not repaying loaned money. By examining a person’s credit score, a bank can determine how much money to loan and at...
View ArticleFix an Error on Your Credit Report
If you have recently checked your credit report from one of the three bureaus and noticed an error on it, you should really try and fix it. Having an error on your credit report can be very detrimental...
View ArticleBalance Your Checkbook
Make sure you balance your checkbook. I know it can be tedious work, but it must be done. Every time you make a withdrawal or deposit make a note in your checkbook. Depending on how active your bank...
View ArticlePlacing a Fraud Alert on your Credit Report
You should only place a fraud alert on your credit report if you know someone is trying to open bank accounts or credit cards in your name. What a fraud alert does is force lenders to verify it is...
View ArticleFree Credit Report
Everyone in the United States is entitled to a free credit report every year from the three consumer credit reporting bureaus; Equifax, Experian, and Transunion. You may request your report from all...
View ArticleCredit vs Cash
Many people are unwilling to use credit cards because they are afraid of the interest. However, if you manage your credit wisely, there is no need to fear it. Using credit cards is more beneficial than...
View ArticlePersonal Finance Help for College Students
I know from personal experience that being a college student and balance finances can be very difficult. My memory is still fresh since I only graduated a year and a half ago. I am writing this...
View ArticleHow to Write a Check
First I will explain the parts on the check. In the top left corner is the name on the account holder and their address. On the top right corner is the check number. There are four lines in the middle...
View ArticleHow to Opt-Out of Pre-Approved Credit Card Offers
One thing I hate receiving in the mail are pre-approved credit card offers. They are annoying, take up my time, and are unwanted. Although sometimes I do like to peruse through some of them to see what...
View ArticleAdverse Action Notice
I recently received an adverse action notice, because I was declined for an auto loan through my credit union. The reason being my income was too low even though my credit score was over 700. What...
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