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There’s a credit card for nearly every scenario. Whether you’re going on vacation, get 1-2% cash back, wanting to get frequent flyer miles, or need a balance transfer there’s no shortage of options. Below we outlined the best types of credit cards for 2021. 1. … Read more
How Debt Parking Works Debt Parking (aka: “passive debt collection”) – the practice of posting perceived debt on a persons’ credit report without first attempting to inform them about the debt. In many cases it’s a completely fraudulent charge that pressures a percentage of consumers … Read more
Good Debt vs. Bad Debt Even though student loans and mortgage debts are generally deemed an “investment” in one’s future and therefore good causes of debt, other forms of debt such as credit card debt or medical bills debt are regarding as bad debt types. The … Read more
Guide on How to Improve Your Credit Score For banks and employers, a credit score is a fast way to assess a person’s creditworthiness. When it comes to getting a home mortgage, lenders like to use a combination of credit scores, payment history, credit vs. … Read more
When it comes to taking on debt, there’s two main types of loans. In today’s post we’ll review what the difference is, why you should consider a secured vs. unsecured loan, and which type your current debts fall under. #1. Secured loans A secured loan … Read more
Consumer Debt in California Consumers get themselves trapped into personal debt for all sorts of reasons – in many cases no fault of their own. And with today’s super high interest rates it’s no wonder why people feel overwhelmed with the amounts they owe. Here’s … Read more
Understanding Fixed Rate vs. Variable APR Interest rates on credit cards are usually a lot higher vs. other types of debt. If you read the cardholders agreement you’ll see a a few interest rates. Introductory Interest Rate is the rate in the first 6-18 months. … Read more
Five Questions to Ask Before Combining Finances Getting married is said to be the second most legally significant event in a person’s life; the first being death, and estate planning. For couples who are engaged or recently married, combining finances can be tricky. It essentially … Read more
What if you can’t afford to file bankruptcy? Believe it or not, it’s a question a lot of people ask when they’ve run out of options. Filing bankruptcy, can be an expensive process, especially if you don’t have any money left. Below are some example … Read more
Credit Score Overview In the U.S. everyone’s credit histories are tracked and evaluated by the three major credit reporting bureaus. Equifax Experian Transunion Your credit history covers historical payment records, number of credit accounts you have, how much you owe (on each account), and your … Read more