Did you graduate from school and are you on your own for the first time? Are you in the military and did you just return from overseas deployment? Are you a recent immigrant to the United States? Did you and your spouse get divorced? If so, then like millions of…

Nothing can be more frustrating than checking your credit scores and discovering they aren’t as strong as you think they should be, even though you pay your bills on time.  For those with clean payment histories, the culprit bringing down their scores is often a formula that sounds like it…

45 million Americans do not have a credit score  – that’s one in every 10 adults!  And it can happen to anyone – young adults on their own for the first time, military personnel returning from overseas, recent immigrants to this country, those who are widowed or divorced…and maybe, even…

Vishal’s credit score increased by 45 points, and as a result of his improved credit score, he was able to shop around and be approved for a home mortgage! College student Lindsay went from one of 40 million credit invisibles to having a credit score of 658, and now, she…

So you need some cash, and you need it quick. Should you take a cash advance from your credit card? The process seems easy enough, but that may be part of the problem. Getting fast cash with a cash advance might seem attractive, but you’ll pay out the nose if you use this…

What You Need to Know to Find Rental Insurance at an Affordable Price More people are moving to cities and just about every apartment building now requires you to have renters insurance. With the growing popularity of renting, I did the research to determine which companies are the best for…

Do You Know Your Grace Period? When the time comes to pay back your student loans, there’s a lot to consider – like your grace period. And the grace period differs, as it’s based on the various loans you may have. So, where to start? First, you need to know…

With interest rates hovering near all-time lows, we see commercials and ads for home refinancing all the time. By choosing a new loan with a lower interest rate and better terms, the experts say, you can lock in a lower monthly mortgage payment, extend or reduce your loan’s term, and pay less in…

For better or worse, your credit score is one of the most important numbers in your life. Lenders use that score to determine if you’re a good credit risk, if they’ll give you a loan, and how much they’ll charge you for all kinds of loans.  If you are a…

Establishing a positive credit history now can be beneficial down the road when you want to qualify for an auto loan or a mortgage. This may be especially true if you’re in college or have recently graduated, and are thinking about big purchases. Start Slow Good credit takes time to…