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During the COVID-19 situation many creditors are offering deferred payments for everything from Credit cards and Auto loans to Mortgages, but what does that mean for you? A deferred payment is one that you do not need to make at the current moment. Each creditor has their own guidelines for how long they will defer […]

  With everything going on right now in your financial world keeping track of your credit is important. Through Experian/Equifax and Transunion through the end of 2020 you can get a weekly credit report for free to keep track of everything going on.   You may notice that some of your creditors have reduced your

Credit Cards are a good way to build good credit, however you may not be able to get a credit card without good credit or established credit. Secured credit cards can help people with bad or no credit rebuild and establish credit, but it is important to understand secured credit cards and how they differ

Debt is a growing concern for many. Credit card debt with high interest rates especially can be difficult to manage and pay down. When searching for solutions on the best way to pay off debt, there is a lot of conflicting advice. Two options that come up; Debt Settlement and Debt Management may sound similar

If you are like many Americans that have been impacted by COVID-19 you may have reached out to your credit cards to ask for assistance. Many credit card companies were allowing customers to defer payments for a period of 60-120 days which means many of these deferrals are due to end in August. With millions

My Credit Cards and Loans were put on deferment due to COVID but now they are reporting past due on my credit. What can I do? As part of the CARES act, card companies and or loan servicers were offering deferments to their customers who were affected by the pandemic. The deferments would have been

Understand the terms of your credit card accounts, and be responsible with them. Plan to pay off your credit card balances in full every month. If you can’t, limit your use of credit cards. Follow these rules for responsible credit card use. Study the credit card agreementTake a look at the small print on the

Don’t despair if you have a low credit score. With time and discipline, you can dramatically improve it. Make a commitment to limiting your use of credit. Use the following advice to improve your score. Check your credit reports and dispute any inaccuracies. Fixing problems can raise your score. Checking your own credit report does

Holidays, gas, groceries, home renovations, and bills—these are just some of the reasons consumers may pull out the plastic. Before you know it, your credit card debt is too high and you’re struggling to pay it back. Credit card debt can happen over time or all at once, but no one wants to be in

Closing a credit card might seem like a financially responsible move to make. The truth, however, is more complex and depends on several factors. Closing a credit card without taking into consideration how many cards you have open, the age of the card, and overall credit health can harm your credit score. Before closing your