With more and more information stored online, more bad guys are just a password away from our personal data. As hackers have stolen financial information from large corporations like Equifax, Yahoo and even the Internal Revenue Service, identity theft is on the rise.
“Identity theft can trash your credit score because there’s the risk that
Credit Rating
Have you ever seen ads for “Get Rich Quick” books? We suspect the only person getting rich quickly is the author selling his book! Perhaps the first page of the book reads, “The secret to quick riches is to publish and sell a book on getting rich quick.”
At MoneyTips, all of our eBooks filled
Money or sex: which topic causes the most trouble within a relationship? A recently released Money Habits and Confessions Survey, conducted by Wakefield Research on behalf of LearnVest, suggests that the answer is… money.
Finances were a greater source of relationship tension than sex, according to 68% of survey respondents. Incompatibility with finances can even
Have you been frustrated over the last few years with an inability to get credit? A recent survey by the Federal Reserve of New York suggests that while credit may be loosening, your frustration may continue.
Three times a year since October 2013, the New York Fed’s SCE Credit Access Survey assesses the state of
Retirement represents a new stage in your life. It’s a time of change and opportunity. To make the most of your opportunities, you must make sure that one aspect of your life does not change – your good credit score.
A recent survey by the credit bureau TransUnion found that over 30% of Baby Boomers
June 28 is National Insurance Awareness Day. Are you aware of all the factors influencing the costs of your insurance? For example, does your credit score affect your car insurance rates? If you live in California, Massachusetts, or Hawaii, the answer is no. For residents of all the other states, the answer is yes, thanks
We all know the political stereotype – Republicans are supposedly the party of the wealthy, and Democrats are the party of the less economically advantaged (outside of Hollywood). How does this stereotype hold up with respect to credit scores and outstanding credit card balances?
A recent study by LendingTree provides some answers. Using the definition
If your credit score is in the low- to mid-600s, you have what is usually considered to be fair credit — not in the range where you have trouble getting personal loans at all, but in the range where finding a good interest rate and reasonable terms can be challenging. Whether you are experiencing a
It’s bad enough when your day is derailed by an unexpected trip to the doctor, but it’s even worse when you can’t afford to pay the bill. Unfortunately, too many Americans find themselves in this position, according to a recent survey conducted by Ipsos for the healthcare transparency group Amino.
The survey found that 37%
The Wide Reach of Your Credit Report Your credit report, which is a compilation of your credit-related activities, plays a huge part in all of your financial activities that involve borrowing money. The credit scores derived from your credit report affect the interest rate offers that you receive on a loan or a credit card,
While many outlets are publishing Mother’s Day gift lists, none of them mention “bail money”. But enterprising bail bondsmen are trying to cash in on the holiday to promote their services.
A bail bond is a promise by an insurance company to pay the entire amount of someone’s bail if the accused doesn’t show up
We all want to help our children get the best start in life, and for many that includes helping them avoid excessive debt. That can lead you to co-signing student loans (or other credit sources) to help your children qualify for credit. You can then teach them how to manage debt responsibly. Isn’t that desirable?
It all looks so obvious in hindsight. Make a $500 deposit and your money will grow 18% in 10 days. You can receive a $1,500 loan by MoneyGram if you pay $170 for fees and insurance. A driveway sealer happens to be driving by and offers to coat your driveway for a low price. You
Changes are coming to your credit report – and this time, those changes may work in your favor. Thanks to some background work by the three major credit bureaus (Experian, Equifax, and TransUnion), public records to be included in credit reports must meet higher standards. That action should result in a boost in credit scores
Slower Credit Growth for the New Year Are you using more or less credit these days? If your habits track the latest data released by the Federal Reserve, your rate of consumer credit growth has slowed considerably.
The Fed’s release for January 2017 revealed that outstanding consumer credit rose by $8.8 billion to $3.77 trillion
Getting out of debt can be challenging, especially if you have little experience in managing your finances and need support. Using a counseling agency can be a great way to get debt relief. The agency can possibly negotiate reduced interest rates for you to pay back all your unsecured debt. You then make a single
You have found the love of your life, but he or she is dealing with significant debt. The debt issue should be part of the overall financial discussion that every couple has – the smart ones, before they marry; the less-prepared ones as they fight about money that has already been spent.
Finances are a
Many people might believe that to get a good credit score, they need a checking account. For households conducting most of their financial transactions with money orders and prepaid cards, it might seem essential. But financial expert Jeff Richardson says that having a checking account isn’t necessary.
Talking about the myth, Richardson said, “It’s probably
Many businesses make use of credit cards for daily purchases, and some new small business owners even finance their entire business on credit cards in the beginning. A business can make use of various reward points and other perks to save money and build up its credit score, but there are some downsides to using
When a borrower applies for a mortgage, the lender looks at both secured and unsecured lines of credit. With secured credit, they are taking less of a gamble – they can seize the asset associated with the credit. Mortgages and auto loans are both secured, while debt such as credit card loans and student loans
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