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Credit

  • Home
  • Archive by Category "Credit"
  • six credit report myths

    6 Credit Report Myths

    By Michael Peterson
    In August 20, 2021
    On Credit
    Comments off
    We talk a lot about credit scores and credit reports. Why? They are very important when it comes to your personal finances. It’s just as important to understand what these numbers mean – confusion on your part can impede your ability to make savvy financial decisions. Unfortunately, there’s a wealth of misinformation when it comes to credit reports and credit scores. Let’s take a look at six common misconceptions...
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  • eight best credit score tracking apps

    The Best Apps and Tools to Track Your Credit Score

    By Michael Peterson
    In September 28, 2018
    On Credit
    Comments off
    Now more than ever, technology plays a leading role in our everyday lives, from time management to shopping to traveling to finance. Thanks to technology, you can pay bills, check your bank statement, review your credit card purchases, and track your budget — all from your phone! And if you’re looking for ways to keep an eye on your credit score, well, there’s a smartphone app for that, too....
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  • cancel or keep your credit card

    Life Without Credit Cards: The Pros and Cons

    By Mike Peterson
    In February 24, 2017
    On Credit, Credit Cards, Debit Cards, Finances
    Comments off
    Love ‘em or hate ‘em, it’s hard to imagine life without credit cards. Used responsibly, credit cards can help us build strong financial foundations and give us easier access to homes, transportation, job opportunities, and more. But used irresponsibly, credit cards can do damage that can take years – even decades – to reverse. For most people, the benefits of credit cards outweigh the potential drawbacks, and most of...
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  • Better Finances A Through Z

    The A to Z Guide of Staying Out of Debt

    By Mike Peterson
    In November 8, 2016
    On Budgeting, Credit, Credit Card Debt, Finances, Money Management, Saving Money, Wealth Tips
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    The key to staying out of debt is to keep a better handle on your finances through things like spending less, budgeting, and saving money. It takes work, but it’s not impossible. And you might be surprised by how many small things you can do to work toward a debt-free lifestyle. Just for fun, I thought I’d break things down alphabetically, so here’s your official A to Z guide...
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  • What to do before applying for a mortgage

    The Do’s and Don’ts Before Applying for a Mortgage 

    By Mike Peterson
    In August 31, 2016
    On Banking, Credit, Money Management, Wealth Tips
    Comments off
    Maybe you’re dreaming of a suburban ranch house with a big backyard. Or perhaps a sleek urban condo in the heart of the city. Or a townhome that’s within walking distance to work. Everyone’s idea of a “dream home” is a little different, but there’s one thing that’s the same across the board: We all have to apply for a mortgage loan. You don’t have to have perfect credit...
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  • Building A Great Credit Score

    Want to Build Great Credit Seven is the Magic Number

    By Mike Peterson
    In April 25, 2016
    On Credit, Credit Cards, Finances
    Comments off
    Here’s something that might surprise you: While it’s absolutely true that responsible credit use is a must for establishing a good credit score and a strong credit history, time is also a factor. Simply having a few years of established credit is a step in the right direction. Sometimes, the key to a higher score is simply waiting a few years. So, how long does it take to establish...
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  • Six Surprising Things That Can Affect Your Credit Score

    By Mike Peterson
    In February 19, 2016
    On Credit, Credit Card Debt, Finances, Money Management
    Comments off
    Six Surprising Things That Can Affect Your Credit Score Ask most people what kinds of things can bring down your credit score, and you’ll likely hear the expected responses:  Paying your credit card bills late.  Maxing out your credit lines.  Having a high debt-to-income ratio.  Opening too many credit cards.  Closing a credit card once you pay it off. You don’t have to have an extensive background in credit...
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  • Get a Jump on Tax Season with This Easy Checklist

    By Mike Peterson
    In November 17, 2015
    On Credit, Credit Card Debt, Money Management, Tax Tips, Uncategorized
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    Get a Jump on Tax Season with This Easy Checklist ‘Tis the season . . . to get ready to do your taxes. No, really. That may sound crazy – it’s early November, after all.  You haven’t even finalized your Thanksgiving menu.  You’re still trying to sort out holiday travel plans.  You won’t even get your W-2 until January. Why worry about taxes now? Because if you’re like most...
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  • How to Boost your Credit Score with a Secured Card

    By Mike Peterson
    In July 31, 2015
    On Credit, Credit Cards
    Comments off
    The frustrating thing about credit cards is that, in order to get a credit card, you have to have reasonably good credit.  But the only way to build a solid credit history is by establishing a pattern of responsible credit card use. See the dilemma?  If you have bad credit, or even no credit, it can be difficult to get back on solid ground, credit-wise.  One way to bounce...
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  • Get out of the money rut

    Break Free From Your Money Rut

    By Mike Peterson
    In May 12, 2015
    On Budgeting, Credit, Credit Card Debt, Credit Cards, Debt Collection, Finances, Money Management, Saving Money
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    Stuck in a Money Rut? Here’s How to Break Free Ever feel like your money is just sort of . . . going nowhere?  It’s a feeling that can creep in when nothing’s really off track, finance-wise, but at the same time, you’re not really making progress toward any significant goals.  You’re not saving or paying down debt.  Your budget needs some adjustment.  You know you could probably be...
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