85.1% of Consumers Plan to Use Credit for Holiday Shopping: How to Stay Smart With Your Borrowing This Season
The holiday season is fast approaching, and with it comes the excitement of gift-giving, festive meals, and countless sales. But while...
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3 days ago5 min read
Charge-Offs vs. Collections: What They Are and How They Impact Your Credit
If you've ever struggled with credit card debt or missed payments, you’ve likely heard the terms charge-off and collection . Both can...
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Nov 145 min read
28% of Credit Card Users Are Still Paying Off Last Year’s Holiday Debt
The holidays bring joy, celebration, and often, financial stress. With 28% of credit card users still grappling with debt from last...
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Nov 123 min read
How Often Does Your Credit Score Update?
If you’ve ever checked your credit score and wondered why it sometimes fluctuates, or why it hasn’t budged in a while, you’re not alone....
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Nov 74 min read
Why Credit Card APRs Are Stuck Near Record Highs, Even as Interest Rates Fall
In recent months, we’ve seen a shift in the economic landscape. The Federal Reserve, which sets the tone for interest rates across the...
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Nov 53 min read
Voting with Financial Literacy: Why Understanding Your Credit Score Matters in the 2024 Election
As the 2024 U.S. election approaches, the political landscape is buzzing with debates, policies, and candidate promises. Among the myriad...
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Oct 313 min read
Understanding Savings by Age: Insights for Financial Planning
Saving money is a crucial part of financial wellness, yet many people are uncertain about how much they should aim to save at different...
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Oct 292 min read
Understanding the Impact of Bankruptcy on Your Accounts
Filing for bankruptcy is a significant financial decision that can reshape your financial landscape. It often serves as a last resort for...
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Oct 242 min read
Tips for Removing Bankruptcy from Your Credit Report
Bankruptcies can be daunting, especially when it comes to their impact on your credit report. Understanding the process and taking...
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Oct 224 min read
The Essential Guide to Saving: Who, How Much, and When
Saving money is an essential part of maintaining financial health, yet it can often feel overwhelming. Many people struggle with...
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Oct 172 min read
Building Credit and Emergency Savings: A Vital Connection
In today's fast-paced world, financial stability is more crucial than ever. According to Bankrate's 2024 emergency fund report, only...
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Oct 163 min read
Cash Ready: How Much to Save for Natural Disaster Emergencies
Have you ever thought about what you would do if a natural disaster struck your area? Imagine receiving an evacuation order with little...
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Oct 102 min read
Understanding Medical Debt: A Growing Concern and How We Can Help
In the United States, the burden of medical debt has reached alarming levels, with estimates suggesting that at least $220 billion is...
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Oct 82 min read
The Advantages of an Excellent Credit Score in the Aftermath of a Hurricane
Hurricanes can bring devastating damage, disrupting lives and affecting finances in ways we often don’t anticipate. In times like these,...
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Oct 32 min read
The Student Loan Debt Crisis in 2024
As of the second quarter of 2024, student loan debt in the United States has reached an alarming total of over $1.74 trillion . This...
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Oct 13 min read
Understanding the Benefits of the Federal Reserve Lowering Interest Rates
In a world where economic fluctuations are a part of daily life, the Federal Reserve plays a crucial role in steering the U.S. economy....
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Sep 262 min read
The Rising Tide of Credit Card Debt: What $1.142 Trillion Means for Americans
In the second quarter of 2024, Americans’ total credit card balance soared to an astonishing $1.142 trillion, according to the latest...
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Sep 242 min read
What To Do With Non Existent Credit?
Finding yourself with zero credit can feel like hitting a brick wall. Whether you’re just starting your financial journey or rebuilding...
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Sep 193 min read
How Consumer Debt Affects Your Sleep
We’ve all had sleepless nights. Tossing, turning, unable to quiet the racing thoughts about bills, credit card balances, and looming...
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Sep 173 min read
Cracking the Code: Solving Low Credit Scores
In today's financial landscape, having a good credit score is essential. It's a critical factor that lenders, landlords, and even some...
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Sep 123 min read
The Impact of Debt on Physical Health: Breaking the Vicious Cycle
Debt is more than just a financial burden—it can have profound effects on both mental and physical health. While we often hear about the...
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Sep 103 min read
5 Things You Didn’t Know About VA, FHA, and Conventional Loans
When it comes to home loans, many prospective homebuyers hear about VA, FHA, and Conventional loans, but might not fully understand the...
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Sep 64 min read
The Psychological Impact of Debt
Debt is a pervasive issue in modern society, impacting millions of individuals worldwide. While the financial burden of debt is...
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Sep 33 min read
Understanding Your Income-to-Debt Ratio
Buying a home is often the largest financial decision you’ll make in your life. It’s not just about finding the perfect property or...
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