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5 Ways to Celebrate a Debt-Free Holiday

By Brent Vullings / November 21, 2017 / Comments Off on 5 Ways to Celebrate a Debt-Free Holiday

It’s Thanksgiving once again and you know what that means: the holidays are here! Cue the music, turn on the twinkle lights and deck the halls of your home with love and warmth. Many begin their holiday shopping on Black Friday to try to get all of the best deals of the year. The season…

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6 Ways to Make Applying for a Mortgage Easy

By Brent Vullings / November 15, 2017 / Comments Off on 6 Ways to Make Applying for a Mortgage Easy

The most expensive purchase people make is a home. In our lifetimes, most people will only buy one or two. Finding out if you qualify for a mortgage can be a daunting process that many aren’t prepared for. After all, asking a bank for a loan isn’t something people favor doing. There are ways to…

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Cash v. Credit

By Brent Vullings / October 12, 2017 / Comments Off on Cash v. Credit

You just finished shopping at your favorite store and have a basket full of items that you are excited to take home. At the cash register the clerk asks you the infamous question, “Will this be cash, or credit?” Fumbling your fingers through your wallet, you decide to use your credit card.  Both cash and credit…

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5 Ways to Become a Credit Superhero

By Brent Vullings / September 27, 2017 / Comments Off on 5 Ways to Become a Credit Superhero

Many of us apply for our first credit card during college and begin to learn the fundamentals of how to properly utilize it. As years pass by, we learn how to manage multiple loan and credit accounts proficiently. There are some credit card users who strive to become credit superheroes! Below are five ways they are…

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Give Your Bad Financial Habits the Boot

By Brent Vullings / September 13, 2017 / Comments Off on Give Your Bad Financial Habits the Boot

At one point or another we all do it: commit to breaking our bad habits. Every January people resolve to dropping a vice, losing weight, spending less, and so on. We always start out strong and progress inspires us to keep moving along. Three months goes by and the fire that keeps us going starts…

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Earn a Strong Credit Score Early

By Brent Vullings / August 15, 2017 / Comments Off on Earn a Strong Credit Score Early

It can be a scary thought sending a child off to college with fresh new plastic. Anyone with credit runs the risk of building debt. Credit cards can be a great learning tool for any college student, because it teaches responsibility and how to budget. Even better, it gives a parent an excuse to talk with…

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Be Aware of Disputes When Seeking Dream Home

By Brent Vullings / July 24, 2017 / Comments Off on Be Aware of Disputes When Seeking Dream Home

A huge road block that gets in the way of purchasing your dream home is a dispute on your credit report. By law, credit bureaus are required to show you a correct report. Credit errors are very common. As a matter of fact, one in five Americans are dealing with some type of error. It…

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Erase Your Mistakes

By Brent Vullings / July 13, 2017 / Comments Off on Erase Your Mistakes

Credit mistakes happen and when they do, you should find out how long the negative mark will last and what moves you can take to get past the damage on your credit reports. It is important to not go crazy and check your score from multiple credit bureaus. Stick with one of the main three…

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Get Back to Basics

By Brent Vullings / July 5, 2017 / Comments Off on Get Back to Basics

Many are afraid to take the leap to simply find out what their credit score is. Opening the door and learning whether you have a good score, or need to work on it is a very important first move. Let’s start with the basics. What do the number ranges mean? The most common credit score…

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Medical Credit Might Cause Headache

By Brent Vullings / June 27, 2017 / Comments Off on Medical Credit Might Cause Headache

With a new healthcare bill in the works, this is as good of a time as ever to discuss medical credit cards. They work the same way as any credit card, except they come in handy when faced with an unexpected health expenses. They are offered at many doctors and veterinarian offices across the country…

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