A Quick Guide to Credit Checks (As Reported by Oscar Gonzalez of CNET)

Whether you’re new or acclimated to the world of personal finance, you’ve probably heard the term “credit score”. To put it in simple terms, it’s a rating for a person’s reliability to pay back loans. The higher the number, the better. And several factors can influence this number. If you’re on time with payments, great!… Read More

Building a Credit History (as reported on blog.mint.com)

When it comes to credit, an individual can either have good credit, or bad credit. Right? Actually, there is a third option, which is often the least understood. And that’s having no credit at all. Having no credit, in some circumstances, is just as bad as having bad credit. That’s because lenders use your credit… Read More

Student Loan Consolidation (as reported by Jeff Gitlen on www.lendedu.com)

Often, borrowers accrue multiple student loans from multiple sources. That is why we have such a thing as student loan consolidation. If you fall into this group, you may have already considered consolidating these loans into one new loan. But there are things you should consider before taking that next step. First, it is important… Read More

Credit Card Perks (as reported by Rosie Spinks on quartz.qz.com)

For the responsible consumer, credit cards offer a lot of value. If you have a credit card already, and you make sure to pay off your balance each month, you may want to ask yourself what you’re getting from it. Smart credit card users know that they can get special perks for spending on their… Read More