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Category: Credit

Dealing With Debt

If you are dealing with debt, know that you are not alone. In fact, 4 out of 5 Americans are currently in debt.  Let’s work together to figure out how you can eliminate that burden.  Today's article will provide some great tips on how you can pay off your debts. What are your options? Balance Transfer – A new credit...

Automate Everything

Automation is a great way to make life easier.  You will invest time up front setting up your system and then the system will work for you.  It’s easy to automate everything from savings, to spending, and shopping. Wondering why you should automate your finances? You may start the week with good intentions. You’re...

What Happens When You Make Minimum Payments On Credit Cards? – U.S. News

Featuring Jeff Arevalo, Financial Wellness Expert  Making the minimum monthly payments on your credit cards can lead to maximum pain. By paying only the lowest amount required each month, you're stretching out how long it takes to wipe out your credit card debt and paying considerably more interest than you otherwise...

Pull Your Credit Report

Take a Look at Your Credit Report You can obtain your credit report at www.annualcreditreport.com. Pulling your credit report does not have a negative impact on your score. DO NOT GOOGLE FREE CREDIT REPORT Google will take you to six sites before you get to the right place. Go to annualcreditreport.com. This website...

How to Establish Good Credit

The more you know about credit, the more power you have to handle credit responsibly. These tips can teach you how to establish good credit and manage your credit wisely. Build A Positive Credit History The best way to establish positive credit history is by paying your balance off every month. It's a common myth that...

Miss A Credit Card Payment? Here’s What to Do

If you miss a credit card payment, it is important to know that not all creditors handle delinquent accounts in the same way. Typically, if you miss a payment, your creditor will start to call you. They will want to find out if you merely forgot or if something bigger is going on.  Many people avoid answering these...

How Long Information Stays On Credit Reports

Why Is That Old Information Still On My Credit Report? How long information stays on credit reports depends on the specific type of information. Negative credit information can be reported on your credit report for 7-10 years. In general, here is what to expect: Late payments, student loan defaults and foreclosures - 7...

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