how-does-a-refinance-look-on-your-credit-report
AUG
03
How Does a Refinance Look On Your Credit Report

Closing your open debts is generally one of the best things you can do for your credit score. When you owe less, you’ll almost always see your score go up. But if you can’t actually pay these debts, closing them becomes much harder.

There are a number of ways you can work to reduce your debt besides simply paying them down.

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Category: Debt, Credit Score


2-ways-to-manage-credit-card-payments
JUL
18
2 Ways to Manage Credit Card Payments

You’ve heard that in order to maintain a good credit score, you should never miss a credit card payment. This is an essential first step and having a system to avoid late payments is a must. But did you know that there are more things you can do with just that card payment that will help boost your score? We’ve got two more things you can do to reduce debt and raise your credit score.

Each month, your credit card will tell you the minimum amount due at that time.

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Category: Debt, Credit, Credit Score


5-tips-to-reduce-debt-or-boost-savings
JUL
11
5 Tips to Reduce Debt or Boost Savings

If your car breaks down and can’t be repaired, are you prepared to get a new one? Ideally, you’ll have a down payment lined up (or at least an emergency fund ready and waiting), your credit will be in good shape, and you’ll have room in your budget for a monthly payment.

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Category: Money, Debt


don-t-let-vacation-zap-your-budget
JUL
03
Don't Let Vacation Zap Your Budget

Are you taking a summer vacation this year? For many, this is the only time of year that travel is even an option because of school schedules and the like. No matter what time of year you choose to get away, getting out of town can be very expensive.

According to the 2017 LearnVest Money Habits and Confessions Survey, “74% of people say they’ve gone into debt to pay for a vacation, to the tune of $1,108, on average.” This number includes people who haven’t gone on their trips yet, but are already planning and have made credit card purchases toward them.

How much do people spend? LearnVest found that Americans spend an average of 10% of their annual budget on vacations and that 25% of the survey’s respondents spend as much as 15%.

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Category: Money, Debt


understanding-your-rights-with-debt-collection-agencies
JUN
24
Understanding Your Rights With Collection Agencies

Yesterday we discussed some debt collections basics. But there’s so much more to know about how the ways the Fair Debt Collection Practices Act protects you from abusive debt collection tactics.

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Category: Debt


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