Bad Credit Card Habits You Must Break
A few bad habits can wreak havoc on your credit score before you even know it!
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Poor Credit Scores and Marriage—What’s the Connection?
Getting married comes with a wide range of financial responsibilities and roles, and it’s important that you understand the implication of your decisions before making this lifelong commitment. While a poor credit score won’t affect your partner’s stellar record or score, or vice versa, it’s not as straightforward as one would assume. You don’t automatically …
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4 Things to Watch Out for Before Spending Excessively on the Holidays
The holidays are almost here, and you’re most probably knee deep in shopping and buying all your gifts and presents, booking staycations and making travel plans (safely) to see loved ones. But you might be making some key financial mistakes during your holiday splurge, which could cost you. If you’re not sure where you could …
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How Quarantine Purchases Can Affect Your Credit Score
There’s nothing quite as satisfying as knowing your package has been shipped and is on the way, is there? But for many of us, this type of impulse buying and shopping became an all too familiar practice in the last few months, as we spent almost the entire first half of 2020 in our homes. …
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5 Financial Habits and Practices to Build in Your 20s
Your 20s are perhaps the most exciting time of your life. You’re not only out of college, living on your own, and financially independent, but there’s a lot of room for growth and change—and uncertainty. It’s important that you focus not only on spending money and having fun with your friends, or lose yourself in …
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4 Spending Habits to Break Out of in 2021
Who doesn’t love a great discount or offer? How difficult is it to say no to a sale or that incredible pair of sneakers or a great jacket that just got slashed off? We’re all too familiar with the convenience, temptation, and joy that come with making a great purchase. But there are several habits …
How to Avoid Affecting Your Credit Score While Paying Hospital Debt?
Hospital debt and unpaid medical bills are becoming increasingly common in the United States. While people without insurance struggle to pay medical costs, people with medical insurance have also been having trouble affording certain medical treatments. Luckily, the three major credit bureaus, Equifax, Experian, and TransUnion, have a 180-day waiting period before your medical debt …
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Does Filing for Bankruptcy Affect Your Credit Score?
Bankruptcy is a legal process that relieves individuals of their debts—partially or wholly, depending on the circumstances. While it’s a smart decision to promptly file for bankruptcy when needed, it is vital to understand the implications of doing so on your credit score. In this article, we’ve discussed the process of bankruptcy and how it …
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Hard vs. Soft Inquiries on Your Credit Report: What Do They Mean?
It’s generally a smart idea to keep a check on your credit reports. Doing so will alert you in case there are any potential issues that might affect your credit score. The best part? The inquiry doesn’t negatively impact your score. On the other hand, when external creditors review your credit report, it can negatively …
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What Is A Credit Report and What Does It Include?
According to the Consumer Federation of America, 32% percent of Americans have never obtained a copy of their free credit report. This could potentially risk their financial well-being as inaccurate credit reports can cost you loan denials and money. In fact, you could also fall victim to identity theft. You can easily access your credit reports at AnnualCreditReport.com and continually …
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