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

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

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

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

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

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

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

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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Boost Your Credit Score, Fast

If you are like most people, your credit score is rarely on your mind until you decide to apply for a loan. If you need to act quickly to improve your chances on being approved for a loan, there are several things you can do. Understanding the factors that go into your credit score can…

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Steps Against Phone Harassment

Many Americans have been the victim to phone harassment from credit agencies and collection companies due to unpaid bills, or even worse, errors or mistakes on their credit reports. The Fair Credit Reporting Act is a protection law that helps defend the consumer and defines what collectors are and are not allowed to do. What…

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