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Is It Time to Consider Debt Consolidation?

For better or worse, debt happens.  However, when debt becomes overwhelming, it may be time to consider debt consolidation.  I'm sure you've turned on the television, or surfed the web, and seen countless ads for debt consolidation loans from hundreds of lenders. Debt consolidation can give you piece of mind and get you back on the right financial track.

Why Your Credit Score Matters When Getting an Auto Loan

When the time comes to start looking for a new or used vehicle, you will also likely be looking for an vehicle loan. Your credit score matters when getting an auto loan, since it will be the deciding factor for what interest rate you will pay on the loan.

Eight Ways to Pay Off Debt

It is common to hear people say that they would like to pay off their debts, but they aren’t sure about what steps to take or where they should get started. There are several ways for how to get out of debt and each may suit different people in different situations. 

How To Choose a Credit Card

Credit cards are a big responsibility. If you are thinking about getting a credit card, make sure it's the right one for you. While credit cards can do wonders for your financial life, it can also cause a lot of damage if you don’t choose it responsibly. When it comes to choosing the right credit card for you, there are several factors to consider. 

Five Financial New Year’s Resolutions That Are Easy To Keep

Everyone knows that January 1 is a time for making New Year’s Resolutions. Everyone also knows most people give up on their Resolutions by January 2, although some strong-willed individuals may actually last until January 3.

Good Debt vs. Bad Debt

According to most financial gurus, one of the best ways to improve your financial situation is to get rid of debt. In general, this is good advice. Owing money you can’t afford to pay back can haunt you for a long time, and it could potentially wreck your credit if you’re not careful.

The Basics for Needing a Cosigner on a Loan

You went to apply for a loan, positive you would be approved, only to be told by the financial institution that you need a cosigner. That can feel like a blow to your confidence. You may even be wondering what a cosigner is exactly. How do you choose someone to be your cosigner, and more importantly, what can you do if you can’t find a cosigner? Here we layout the basics of needing a cosigner for your loan.

How to File a Credit Dispute

Your credit report is an important part of your financial health. However, for it to be a reliable source of information to creditors it needs to be accurate. If you have found an error on your credit report, such as a trade line that isn’t yours or a debt that has long been paid off, then you will need to file a credit dispute to have the information corrected. Here are the things you need to know for filing a credit dispute.

What is an Educational Credit Score?

You hear about apps and websites offering free credit scores all the time these days, which is great! These educational credit scores allow regular people to keep a closer eye on a very important part of their finances. However, people often run into the issue where the credit score they are seeing in their app is not the same as the credit score that is pulled by a lender when it’s time to apply for a loan. The reason for this is because there are two types of credit report inquiries, soft and hard.

Can You Buy A Home If You're In Debt?

If you are looking for a home, you might be wondering if it is possible to purchase one if you are in debt. Most Americans are in debt, so you are not alone in wondering this. Here is what you need to know about credit and how it affects your home buying goals: