Clark Howard shares some advice on how to improve credit scores. In order to improve your credit score, it is important to understand the factors that go into calculating your score. The chart below shows the 5 factors that go into improving credit. It also shows how much each factor matters when it comes [...]
Laurie Blank of Clark.com reveals smart tips on how to avoid spending & start saving when on a tight budget! No matter your budget, here are 4 tips to ensure you are adding to your savings account every paycheck. Create & Adhere To A Budget: Believe it or not, a budget will give you [...]
The Krazy Coupon Lady shares 40 companies that will pay for a portion or all of your college tuition! Below are some examples: Chipotle offers up to $5,250 for college costs: Full-time and part-time employees are eligible for the Chipotle Educational Assistance Program. The program provides up to $5,250 in tuition assistance per year, [...]
Clark Howard shares several amazing and simple ways you can make an extra $500 a week! Start Driving For Uber or Lyft: Driving people around can earn you a possible $15-16 an hour! Ride-hailing services are great for people going to and from the airport, people who do not have a car, etc. All [...]
Using Bankruptcy to Stop Credit Card Collections Can Bankruptcy Stop Credit Card Collections? Bankruptcy CAN stop collection attempts from credit card companies that include lawsuits or other forms of legal action. The automatic stay offers protection from collection attempts and stays in place until your case is completed. The stay goes into effect when you file bankruptcy, either Chapter [...]
Debt is a problem that comes with a number of consequences. This includes garnishment of your income or bank account. When financial instability makes it difficult to pay the bills and creates concerns about the future, it can quickly lead to the accumulation of credit card debt. When the problem goes unaddressed, creditors and debt [...]
Some people feel as though “the holidays” and “debt” are inextricably bound, and indeed for many, sometimes they can go hand in hand. However, with a little careful planning and some smart spending habits, you can absolutely enjoy a fun and festive holiday without the hit to your wallet. Budgeting tips to help you avoid [...]
With the passing of the Credit Card Act, it became a lot more difficult for banks to market credit cards to college students under 21; but now they've got a new target audience - teens. The credit card industry has rolled out an aggressive campaign to hook teens with prepaid credit cards, promoting it as [...]
When a debtor fighting foreclosure receives a loan modification there is a possibility that it may have a negative impact on their credit report. Mortgage modifications are reported to the credit bureaus in one of two ways: Settled or charged off. If you were fighting foreclosure and received a mortgage modification that decreased the principal [...]
According to an article in the Dallas Morning News, drivers and homeowners in North Texas with poor credit ratings pay an average of 35 percent more for insurance coverage than those with good credit - even when driving records and recent damage claims on homes are identical. The article said: "Rates submitted by the 35 [...]
