I know you’re smart… I’m not trying to insult your intelligence. But are you financially smart? I mean, credit-use smart?If you answered yes, then click away, go read another article on this website.But if you answered no or maybe, then please stay with me because we’re going to discuss how to use credit the right way, the financially-smart way.Although some people will advise … [Read more...] about How Smart People Use Credit
Surprisingly, many couples don’t talk about their individual finances. This is quite disturbing, given that nearly 60 percent of divorcees say finances played a role in the breakup of their marriage, and 20 percent said financial conflict was a major factor in their divorce, according to a recent survey by the credit agency, Experian. What’s more, the financial and … [Read more...] about How to Protect Your Credit During Marriage and Divorce
I’m sure you’ve seen one of those television commercials claiming to give you a free credit report. Only that most of those are anything but free. Sure, you can get a free copy of your credit report, but only after enrolling in some credit monitoring service that comes along with a monthly fee. But you don’t have to enroll in these services to get a copy of your … [Read more...] about How You Can Get Your Credit Report for Free
An alarming 77 million Americans have delinquent personal debts reported in their credit files. Translation: more than one-third of Americans are in trouble when it comes to paying their debts on time. In a 2014 study by Urban Institute titled Delinquent Debt in America, a whopping 35 percent of adults with a credit file, have a report of personal debt in collections. … [Read more...] about Americans Drowning in Personal Debt: Are You One of Them?