Credit Cards

Often we hear from our clients that they checked their credit score through a free site such as Credit Karma and were shown a high credit score but yet, when they went to get a loan or purchase a vehicle, they were then advised by the lender that their credit score was not high enough.  […]

It’s a situation familiar to many Americans: After indulging during the holiday season, the new year rolls around and it seems there’s no better time to make a permanent lifestyle change than Jan. 1. However, statistics suggest that just 8% of people achieve their New Year’s resolutions. For those with money issues who want to

Many people are experiencing sudden changes in daily life ranging from job loss to shortages of basic needs. In this time of uncertainty, many are wondering what options are available for help and where that help will come from especially when dealing with consumer debt. Our government has recently created legislation to help those that

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