It’s almost tax time again, and that means it’s time for nursing students to take advantage of all of the awesome tax deductions and credits. These deductions and credits could save you thousands of dollars on your tax bill, so don’t miss out on them! While this article is not meant to be specific tax […]
Pay Last Statement Balance or Current Balance to Avoid Credit Card Interest?
Do you pay last statement balance or current balance to avoid credit card interest? If you are a thrifty credit card user, then you know that paying your card off every month will help you avoid those sky-high interest charges. But if you have purchased lots of items, you may be confused as to whether […]
What Does a Credit Score Mean?
What Do Credit Scores Mean Anyway? Consumers’ credit score indicate to lenders that they are capable of managing credit and repaying their debts. The FICO score is designed to help lenders decide who should receive credit. If lenders believe that consumers are not capable of repaying loans, they are not likely to extend credit to […]
Pay Off Mortgage Early or Invest?
Should you pay your home mortgage off early, or should you invest those funds into the stock market, CD, or other investment? Mortgage payoff vs investing? That is an excellent question, and one that I have recently researched thoroughly. Through all of my extensive researching and number crunching, I’ve come to figure out these basic […]
Are Credit Card Rewards, Points, or Cashback Taxable?
Are credit card rewards, points, and cashback taxable? When it comes time to file your taxes, many credit card users often wonder about the points, rewards, or cashback they have earned on their credit cards. Is this taxable to the government? What complicates this matter even more is that businesses also use credit cards. So […]
Are Credit History Reports Permanent?
Are credit reports permanent? The consumers who thought that those two late payments on the mortgage from year ago were gone should think again. Credit history is a very important factor that lenders look at to determine if they should lend credit to consumers. The information contained in credit reports is not permanent but every […]
What is a Secured Credit Card?
Secured Credit Cards–What are they? There are many want to establish your credit or rebuild your credit. Owning a secured credit card is one of the many ways to do this. There are advantages and disadvantages to owning a secured credit card. It is very important to establish creditworthiness in today’s society. If you want […]
What is a Credit Score Rating?
Credit Score Rating-What is it? Many people wonder how lenders can let customers know in just a few minutes if they are approved for credit, using just their social security number. They may ever wonder why one friend may get one interest rate on a vehicle loan while the other friend gets a different interest […]
Credit Cards for Nursing Students
Nursing Student Credit Cards-Finding a Credit Card if you are a student. Anyone who is at least 18 years of age can apply for credit cards, according to the law. Owning a credit card can help students when they get into tough financial situations when they do not have cash to spare. Credit cards are […]
What Are The 3 Bureaus That Offer Credit Reports?
3 Bureau Credit Report: What are the 3 Bureaus that currently offer credit report data? When consumers apply for credit, lenders get their information about the consumers from outside sources. Many consumers have no idea where the lenders get the information about them. Credit bureaus or credit agencies are in charge of keeping record of […]
Historical CD Rates: List of Historical Certificate of Deposit Rates
Historical CD rates have varied over the years. The biggest determining factors in CD interest rates are the stock market, housing market, and the current economy. During the years when the housing market, stock market and the economy are in a good financial position, CD rates increase dramatically. During the years when the housing market, […]
How Does a Credit Card Work Exactly?
How does a credit card work exactly? What is a credit card? These are all fair questions that a young person may have. Let’s start at the beginning. Credit cards are a part of life for many people. Most people have at least one or two credit cards in their possession, and some may have as […]
What is Credit Counseling and Should You Get It?
Credit Counseling: What is it Credit Counseling, and is it worth it? Credit is hard to improve once it has been destroyed. Consumers trust many different methods to improve their credit. It is always a good idea to trust professionals when it comes to serious matters such as credit. Many people trust their credit to […]
What Is a Small Business Credit Score?
Small Business Credit Score Ratings Small business owners have the same responsibility as everyday consumers when it comes to credit score. Credit is necessary, and it does not come easy. Lenders take a great deal of time reviewing the credit report and credit score to decide if they will extend credit to consumers. There are […]
When Should You Hire a Credit Expert?
Credit Experts–Is it worth it to hire a credit expert? It is common for people to experience problems with their credit. Whether the problems are current issue or issues of the past, they may adversely affect your credit. A good credit score proves that clients are worthy of extending credit to and that they are […]
Why Credit Cards Get Declined?
My Credit Card Got Declined…Why? There are a number of reasons that a credit card is declined. Surprisingly, many credit cards decline for many different reasons other than insufficient funds. Many things that are out of your control lead to a credit card declining. Whatever the reason, a declined credit card is not the end […]
I Received a Notice from RMB Debt Collection Services About a Debt?
Did you get a notice from RMB Inc. in the mail? Or did you get a call from RMB, a collection agency? If so, you are not alone. About a year ago, I received a notice from RMB about a debt they were collecting. Now this caught me by total surprise, because I am always […]
Ways to Build Credit History Without a Credit Card
Ways to Build Credit History Without a Credit Card Building credit is one of the most important things that lenders can do for themselves in today’s economy. At some point, most people will have to depend on credit to make big purchases such as vehicles and homes. Consumers have to use credit to build credit […]
What Is the Fair Credit Reporting Act?
Fair Credit Reporting Act: What is the Fair Credit Reporting Act? It is very important that the personal information of consumers is protected. Without any type of protection, it is possible that the personal information of consumers can end up in the wrong hands. Consumers could find themselves in positions where they become victims of […]
How to Apply for a Business Credit Card?
Wondering how to apply for a business credit card? Let’s look at the details of how to apply for a business credit card. So you have started your business (or are considering it), and you need to get a business credit card in order to keep your business and personal expenses separate. I remember when I […]
Do Credit Checks Negatively Affect Your Credit Score?
Do Credit Checks Negatively Affect Your Credit Score? Even if you have no credit history? Maintaining good credit history can be very hard on some consumers. Each account, payment, and inquiry is reported to credit agencies and determine if lenders will extend credit. Lenders want to know that consumers will pay back their debts in […]
How Old Do You Need to Be to Apply for Credit Cards?
How old do you need to be to apply for credit cards? What are the age requirements?This question isn’t so easy to answer, for several reasons. First, states may vary on age requirements (although most all are 18 years of age). Also, you can apply for a credit card below the legal age–IF–you can get […]
Are Credit Cards Recyclable?
Are credit cards recyclable? After all, they are made of plastic materials, right? Unfortunately, credit card recycling would not be a very practical idea, as I will show you below. However, even though credit cards are not recyclable at this point in time, there are a few things you can do to be more “green” with your […]
How to Open a Certificate of Deposit CD Account
Opening a CD Account: How to Open a Certificate of Deposit Account: Introduction CDs are long-term or short-term investments that earn investors interest on their original principle. Investors put their money in financial institutions and allow it to grow. When investors deposit their money in banks and credit unions, issuers use the money over the […]
How to Close a Credit Card Account
Cancelling credit cards: It is normal for you to want to cancel a credit card account at some point in time. You may have initially gotten a credit card to receive a special discount, to establish credit, or to have emergency cash when needed. Whatever the reason, you want to make sure that you close and cancel your […]
How Credit Repair Letters Can Help Your Credit
Credit Repair Letters: How can they help you? Repairing bad credit can be a hassle if consumers do not know how to approach the situation. Some settle for bad credit because they do not have any idea where to begin the process. Consumers must use effective methods to have items removed from their credit. Many […]
Can People Steal Your Credit Card Number From Receipts?
Can people steal credit card numbers from receipts? People often pay for items with credit cards, and then simply trash the receipt (or don’t get one at all). Sometimes people then stop and think, “Oh no, can someone steal my credit card number from my receipt?” This is a great question, so let’s consider all […]
Serious Tips to Preventing Credit Card Fraud and Theft
How to Prevent Credit Card Fraud–Credit card fraud can happen when least expected. The possibility of becoming a victim of fraud increases greatly when a cardholder uses a credit card. Credit card fraud costs issuers and cardholders millions of dollars each year. Cardholders do not have to be a victim of credit card fraud. Although […]
7 Benefits of Having a Credit Card?
Credit card benefits–what are the actual benefits of owning a credit card anyway? Deciding whether to get a credit card may be a tough decision to make. Weighing the pros and the cons may seem complicated, but the decision is actually quite easy. There are an unlimited number of benefits to owning a credit card […]
Can I Add Rental History to My Credit Report?
Can you add rental history (from a house or apartment rental) to your credit report? Have you ever tried to apply for credit only to find out that your credit is bad or that you do not have enough established credit? This is the story of many people who were denied credit. There are many […]
- 1
- 2
- 3
- …
- 7
- Next Page »