by Liz Richards | Nov 24, 2020 | Budget, Credit, Credit Utilization, Debt, finances, Identity theft protection, Uncategorized
When the COVID-19 pandemic hit, so did the rise in unemployment. With retail stores shuttered and sit-down restaurants primarily take-out-only establishments, millions of workers are finding themselves out of a job. Being suddenly jobless is bad enough, but there is... 
by Karen Axelton | Nov 10, 2020 | Credit, finances, personal loans, Uncategorized
By Karen Axelton A personal loan can help you pay for your wedding, finance home repairs or pay off high-interest credit card debt. Getting the best interest rate on a personal loan can save you a lot of money—but what if your credit score isn’t so great? You can get... 
by Liz Richards | Nov 6, 2020 | COVID-19, Credit, credit score decrease, finances, Uncategorized
Maintaining favorable credit can be difficult in the best of times. You work hard to build up your scores, control your spending, and prioritize the things that really matter. But sometimes, you may feel as if you are at the mercy of factors outside of your control.... 
by Liz Richards | Nov 4, 2020 | Credit, Credit Score, Credit Utilization, Uncategorized
Simply put, your credit utilization is the amount of outstanding debt you owe as it compares to the total amount of credit you have available each month. Depending on the scoring model used, your credit utilization makes up anywhere from 20% to 30% of your overall... 
by Liz Richards | Oct 22, 2020 | Credit, Finance Negotiating, Interest rate, low interest rate, Mortgage terms, Uncategorized
Everyone wants to save money. One of the best ways to save some major coin is to negotiate a low-interest rate on high-ticket items such as your credit cards, auto loan, and mortgage. By negotiating a low-interest rate upfront, you can potentially pay these debts off... 
by Liz Richards | Oct 8, 2020 | Buying a House, Credit, Credit Score, Home Buying, House Hunting, Mortgage terms, Uncategorized
Looking to buy a new home? If so, your credit will help determine the mortgage terms – if any, you may be offered. Here’s how credit can impact your mortgage terms along with tips to help you save money on your next home purchase. What Your Credit Score Tells Mortgage...