Tag: interest rates

Learn How To Get A Credit Report For Free

If you have ever applied for a loan or a credit card, you are probably aware of the importance of your credit report and credit score. The information a credit report contains tells lenders whether you are a “credit risk” or not. It can also determine what interest rates you will be offered and other […]

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How to Build a Strong Financial House with Housing Counseling

For most Americans, buying a home is the largest purchase they will make in their lifetime. But it’s not enough to know what neighborhood, style of house, or square footage you want. Consumers also need to have their financial affairs in order prior to considering homeownership. A consumer’s financial history and credit rating are two […]

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6 Things You Need To Know About Interest Rates

Interest rates are an important factor to consider when buying expensive items with a line of credit, applying for a loan, or just using any credit card. In general, those with higher credit scores tend to qualify for a better interest rate than those with lower credit scores. The following are six things consumers should […]

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Credit Scores and How They Came to Be

Prior to the creation of credit scores, financial institutions and lenders would often develop their own creditworthiness score to assess the risk of lending to that particular person. This “score” would vary significantly from one lender to the next. The major issue with this innovative method was that it was based solely on the lender’s […]

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How To Build A Strong Credit Score

Consumers who know the value of their credit score will work hard to maintain a great score from day one. Those who never learned the importance of their credit score might make financial mistakes that cause them to learn the hard way. Whether a person is building their credit score for the first time or […]

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Housing Counseling is Helpful in All Stages of Homeownership

The process of homeownership is a complicated one. Searching for a home, choosing a home, deciding to buy it, and maintaining it can be very difficult. Many individuals strive to understand the choices. Purchasing a home without any experience is scary. Many studies have demonstrated that housing counseling and education for homeowners and potential home […]

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Tips to Avoid Late Fees

One household alone can have a dozen or more bills that come in each month. Each bill has a different due date that must be followed or else a penalty occurs. These charges can be more than $25 for each occurrence, and the tardiness is quickly recorded on your credit history. We all know that […]

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How to Get Out of an Upside Down Car Loan

Next to mortgage or rent payments, owning an automobile is the second largest household expense in the United States today. Gas, maintenance, repairs, and insurance can hit our wallets hard each month in addition to regular loan payments on the vehicle itself. Also, hidden within those loan payments, one cost that many of us may […]

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The High Cost of Leasing a Car

If you are in the market for a new car, you have likely wondered whether you should buy or lease. Many people find leasing appealing because they can drive a new car all of the time, and it even allows them the opportunity to drive a luxury or higher-end vehicle that they would not be […]

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Marrying Someone with Bad Credit

It can be very challenging to build a strong financial future together, even for the most compatible of couples. It’s even more difficult for newlywed couples with very different credit scores to blend their finances and sometimes, it’s even unwise to do so. If your credit is good and your other half’s credit is not, […]

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Becoming Debt Free Starts Here

If you're struggling to make ends meet, our team of certified counselors are waiting to help you find a solution that's right for you. No matter what your financial situation may be, remember you're not alone