Posts by Brent Vullings
How to Take Care of the Smart Chip
Have you ever tried to make a purchase with your smart chip in your credit card and the machine gave you an error and didn’t process your payment? It turns out that smart chips are not indestructible. What exactly causes a chip to error? This is not a case against those small metallic microchip’s on…
Read More5 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…
Read More6 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…
Read MoreCash 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…
Read More5 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…
Read MoreGive 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…
Read MoreEarn 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…
Read MoreBe 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…
Read MoreErase 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…
Read MoreGet 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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