Basics of Credit
February 2, 2023

February Financial to do list: 4 Things to Do

January is a challenging month due to Christmas overspending as well as the time period between December's early earnings and January's payday. A February financial to-do list that can jumpstart…
Basics of Credit
January 27, 2023

How to Increase Your Credit Scores in 2023?

Inflationary prices and rising interest rates from the previous year intensified pressure on households. However, improving your credit can help you minimize your borrowing costs. Your credit score can play…
Basics of Credit
November 9, 2022

How Many Credit Bureaus Are There?

Most people speak of having a "score" when in fact most people have at least three or more scores - and these scores can vary widely. There are three major…
Basics of Credit
October 29, 2022

Should You Cancel Unused Accounts?

Many people believe that all they need to do to boost their credit score is to pay off certain debts and close some accounts. This is not entirely true. Consider…
Basics of Credit
September 14, 2022

Student Loan Forgiveness. Who qualifies?

You will qualify for up to $20,000 in debt cancellation if you received a Pell Grant for your Student loan at the time of application (Low income). If you qualify…
Basics of Credit
June 24, 2022

What Happens If I Can’t Pay My Mortgage Anymore?

If you're struggling to pay off your mortgage and you do the things needed to get it, it can be tempting to think that you can get away with not…
Basics of Credit
June 16, 2022

6 Common Collection Myths

Knowing your rights can protect you from Collection Agencies (CAs), and save you from a lot of panics, anxiety, and sleepless nights! Here are some of the most common myths/misunderstandings…
Basics of Credit
June 1, 2022

3 Tips for Pride Month to Help You Improve Your Financial Situation

This month is Pride Month, which has become a time to celebrate the LGBTQ community. It's also a time when many people are thinking about how they can improve their…
Basics of Credit
May 26, 2022

5 Ways to Reduce Overspending

So you've been overspending, huh? Don't feel bad โ€” we've all done it! You just need to change your ways if you want to get a handle on your finances.…
Basics of Credit
May 12, 2022

What Is Credit Repair Service?

What is credit repair? Credit repair is when a third party, often called a credit repair organization or credit services organization, attempts to get information removed from your credit reports.…
Basics of Credit
April 1, 2022

What Can Help Your Credit Score

"๐˜ ๐˜ธ๐˜ช๐˜ญ๐˜ญ ๐˜ฏ๐˜ฐ๐˜ต ๐˜ถ๐˜ด๐˜ฆ ๐˜ฎ๐˜บ ๐˜ค๐˜ณ๐˜ฆ๐˜ฅ๐˜ช๐˜ต ๐˜ค๐˜ข๐˜ณ๐˜ฅ ๐˜ด๐˜ฐ ๐˜ฎ๐˜บ ๐˜ค๐˜ณ๐˜ฆ๐˜ฅ๐˜ช๐˜ต ๐˜ถ๐˜ต๐˜ช๐˜ญ๐˜ช๐˜ป๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ ๐˜ธ๐˜ฐ๐˜ถ๐˜ญ๐˜ฅ ๐˜ด๐˜ต๐˜ข๐˜บ ๐˜ญ๐˜ฐ๐˜ธ." Oops! That's not how it works! Not using your credit cards does not help increase your…
Basics of Credit
March 16, 2022

5 Things to Do When Market Crashes

Of course the stock market crash is scary. This is because there are a lot of emotions involved in trading. When the value of your portfolio goes down the whole…
Basics of Credit
March 10, 2022

How to Invest Like Warren Buffett with These 5 Simple Tips!

Warren Buffett is a successful investor and businessman. He has made billions of dollars with his investments in business and stocks. Here are 5 simple tips that will help you…
Basics of Credit
February 22, 2022

Needs Vs. Wants: Battling between Needs and Wants

Some of us got into the habbit of spending more money on what we want, which we all know that these are unnecessary but desired things, also to increase the…
Basics of Credit
February 12, 2022

6 Things to Protect Your Rights Against Creditors

You are responsible for your debts. If you fall behind in paying your creditors, or if an error is made on your account, you may be contacted by a "debt…
Basics of Credit
February 5, 2022

How to Get Lucky Through Some Financial Tips this Lunar New year?

The Tiger Year is here! If you're concerned about your financial and professional prospects, activities you do on your own may be a factor. The Year of the Tiger will…
Basics of Credit
January 18, 2022

5 Financial Tips for Students

Although you may be forgiven for being engrossed in your books, now is the time to consider how you're handling your finances. Do you have a spending plan? Or do…
Basics of Credit
January 7, 2022

Do you get denied for credit card if you have damaged scores?

The truth is to buy or sell so many things in todayโ€™s society, you simply must have a charge card available to complete many transactions. Sure, you could pay cash…
Basics of Credit
December 7, 2021

Need a good interest with horrible score?

Subprime loans are in high demand. And if you do any research on "subprime loan", youโ€™ll find plenty of advice on how to get the lowest interest rate. Youโ€™ll also…
Basics of Credit
November 29, 2021

Did you know you could build credit for your kids?

Establishing a Great Score may seem like a daunting task to a young person, but a good strategy can help take some of the sting out of the process. Start…
Basics of Credit
November 11, 2021

Stop Your Credit From Getting Blocked!!

Did you know that most Frequent travelers know all about credit card blocking, many from painful first-hand experience? Hotels post notices of their policy regarding blocking, usually in the form…
Basics of Credit
November 1, 2021

Credit Report Is Car Buyer’s New Best Friend!!!

You've researched the perfect car to buy and the perfect time to buy it. But have you checked your credit report and score? A quick review of your credit report…
Basics of Credit
October 19, 2021

Why Are So Many People Are Filling For Bankruptcy?

Having a copy of your report can most often mean the difference between going deeper into debt and getting out of it. Because most people do not keep track of…
Basics of Credit
October 14, 2021

Most First Time Home Buyers Don’t Know This

Why are you wasting time?You could be purchasing your new home this year.Purchasing your first home can be very exciting and yet at the same time, very frightening too. The…
Basics of Credit
October 5, 2021

Beware of The Credit Myths

Do you know lots of myths related around Credit that may be hurting you? Your score is an integral part of your financial life. You must understand what it's all…
Basics of Credit
September 28, 2021

How to Use Charge Card to Increase Your Credit Scores?

We would like to share with you a great trick to use if you have charge cards. 30% of your score has to deal with something call credit utilization. What…
Basics of Credit
September 21, 2021

Don’t Let Them Ruin Your Score … Let’s Fight Back!!!

Your credit report has tons of information reporting on it. Therefore, that leaves a lot of areas open to confusion. One of the greatest enemies to your credit score is collection…
Basics of Credit
September 14, 2021

It’s Time to Stop Worrying about Debt Collection Services!

Your credit report has tons of information reporting on it. Therefore, that leaves a lot of areas open to confusion. One of the greatest enemies to your credit score is…
Basics of Credit
September 10, 2021

How You Read Those Credit Reports

Thanks to a new federal law put into place in September of 2005, everyone is entitled to one free credit report each year. This is so that you can verify…
Basics of Credit
September 10, 2021

How People Bounce Back from Damaged Scores

Credit has a very important place in most people's lives today. A good score is essential for many of the things we do every day, such as, use a card,…