If you are a newly-minted full-timer, you’ll likely enjoy some much-needed perks including health insurance and flexible spending accounts. Be sure to visit your new company’s HR department during your first month on the job. A full-time salary isn’t the only way to focus on your credit repair goals. Job perks can […]
If you need a credit card to aid in fixing your credit but you cannot obtain one due to the state of your credit, applying for a secured credit card is an option. When you open a secured credit card account, you place money on deposit to cover any charges you […]
If you see a sign that says something like, “Credit Repair: 1-800-XXX-XXXX,” rest assured that it’s a scam. No one can repair your credit for a fee. No one can repair your credit, period. Only you can repair your credit through discipline and through direct contact with your creditors and the three […]
Having good credit is critical when you borrow money, rent a place to live, buy car insurance — sometimes even apply for a job. So when you see ads baiting you with a quick “credit repair” fix, it can be hard not to bite. Maybe that’s why a Bing search for credit […]
“Giving up smoking is the easiest thing in the world. I know because I’ve done it thousands of times,” Mark Twain famously said. In the same way, many of us resolve over and over to spend less, save more, reduce debt and otherwise clean up our personal financial acts, only to find […]
In these difficult economic times, unfortunately, many good people have had no choice but to declare bankruptcy and start over. Bankruptcy, of course, isn’t a permanent condition—eventually, these folks will re-emerge, and when they do, most have roughly the same question: how do I rebuild my credit? Building your reports and scores […]
You can simply set calendar reminders for yourself, and start thinking about your “financial calendar” the way you do your social calendar. You’d never neglect to send your mom a birthday card after jotting it down on your calendar—so treat important tasks like saving for retirement, preparing for taxes and donating […]
With the holidays just around the corner, there’s no time like the present to get smart about your credit. Give yourself the gift of good credit by making intelligent decisions this holiday season. After all, good credit is the gift that keeps on giving. 1. Check Your Credit Before the Holidays A […]