What Is a Credit Rating?
Most Americans are familiar with credit scores, but could you define credit rating? Yep, they’re different. Humans get credit scores. Businesses and governments get credit ratings. Creditors like banks use... Read More
How to Break Out of the Debt Cycle
Life’s major financial equation is simple: Either you control your finances or your finances will control you. The one area of personal finance where people allow themselves to be controlled... Read More
Debt Consolidation Strategies
Debt consolidation allows consumers to take multiple debts and consolidate them into a single debt with a single payment. Generally, debt consolidation strategies are used either to lower total cost... Read More
How to Build Credit With a Secured Credit Card
“What is a secured credit card?” you may ask. Secured credit cards really aren’t that complicated. They’re different from a traditional credit card in that they require a cash deposit.... Read More
What Is a Credit Report and Why Is It Important?
What do a credit report and a pirate have in common, and why are they both so important to leading a financially solvent life? I still remember the TV commercial... Read More
How to Get a Credit Card With Bad Credit (and Improve Your Score)
A credit score below 600 typically indicates bad credit, and shockingly, 21 percent of Americans fall below this line, according to Experian. That’s 68 million people. Bad credit is usually... Read More