5 Ways to Increase Your Credit Limit in a Short Amount of Time
5 Ways to Increase Your Credit Limit in a Short Amount of Time Credit Cards by Maria Shahid Share Share Email The most obvious benefit of a higher credit limit is increased spending power. With access to more credit, you can be more flexible in your spending and may even earn additional rewards like […]
5 Components You’ll Find in Your Credit Report
5 Components You’ll Find in Your Credit Report Credit Report by Maria Shahid Share Share Email When you get a credit report, you’ll find tons of information about your borrowing habits that can be difficult to understand. The process of credit scoring and how your credit score is determined is somewhat unknown to the public. […]
What is Your Identity Worth?
What is Your Identity Worth? Bankruptcy by David B. Coulter Share Share Email You. Taking charge of your financial life begins with knowing your net worth. Of course, the higher that value, the better off you are. The straight forward way of calculating your net worth is the sum of your assets minus the total […]
When and Why It Makes Sense to Refinance Your Home
When and Why It Makes Sense to Refinance Your Home Credit Report by David B. Coulter Share Share Email With mortgage rates hovering at record lows, many homeowners find themselves asking the question: should I refinance my home? There are indeed several factors to consider and of course, no two situations are alike. You can […]
Monitoring Your Credit: What To Do if Your Info Is Exposed in a Data Breach
Monitoring Your Credit: What To Do if Your Info Is Exposed in a Data Breach Credit Monitoring by David B. Coulter Share Share Email Hopefully, you’ll never have to ask what to do if your info is exposed in a data breach, but in today’s digital age, data breaches have become all too common. Cyberattacks […]
How Frequently Should You Check Your Credit?
How Frequently Should You Check Your Credit? Credit Monitoring by David B. Coulter Share Share Email There are three credit bureaus that monitor your credit score: Equifax, Experian, and TransUnion. Federal law requires each one of these bureaus to offer you a free credit report every 12 months, upon request. For some people, this annual […]
Buzz kill…Here’s Why Your Credit Score is Meaningless to Lenders
Buzz kill…Here’s Why Your Credit Score is Meaningless to Lenders Auto Loans by John Ulzheimer Share Share Email 700, 680, 545…we’re all focused on our credit scores and with good reason. Credit scores can determine whether or not we can get credit to buy a home, a car, an education. Credit scores can determine what […]
Did Your Credit Card Issuer Close Your Account?
Did Your Credit Card Issuer Close Your Account? Credit Cards by John Ulzheimer Share Share Email “We are writing to advise you about a change being made to your account.” This prologue is a part of letters being sent to millions of U.S consumers and sets an ominous tone for the remainder of the communication. […]
What You Need to Know About Your Credit Cards Before Traveling Abroad
What You Need to Know About Your Credit Cards Before Traveling Abroad Credit Cards by David B. Coulter Share Share Email There are few things more frustrating than discovering that you don’t have access to your funds while traveling abroad. Finding yourself without money in a foreign land, where few people speak English, can be annoying, […]
How to Spot and Fix Errors on Your Credit Report
How to Spot and Fix Errors on Your Credit Report Credit Monitoring by David B. Coulter Share Share Email We might believe that the major credit bureaus keep the tightest and most up-to-date records of our credit profiles. However, according to a new Consumer Reports investigation, more than one-third, or 34 percent, of Americans found […]