Debt is generally explained by charts, interest rates, and payment plans. The details of this are important, but they tell only part of the story. And row behind every balance is a real moment in somebody’s life. A medical bill. A business that didn’t turn out. A period of low income. Debt often starts through
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Financial fraud is where someone steals your information and pretends to be you. They have access to your credit card, which usually means they go on a spending spree. It can leave you with nothing in your bank account, and a fair bit of debt as well. This is a criminal offense, and you have
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Borrowing to pay for college, a down payment on a home, or even a car is a financial given for Americans striving to reach their long-term goals. These loans are as common as Sunday brunches and binge watching Netflix. And with the rising popularity of personal loans, it’s clear that they, too, are becoming a
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It’s official, spring is here!!! Despite this damn snow, I am going to will the spring into existence! 🙂 I love what the spring represents. It represents growth, lightness, and newness. That’s why I understand the concept of “spring cleaning.” out with the old and in the new. For the last couple of weeks, I
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Many people think they are building their credit scores by using their credit cards and carrying a balance. There is nothing wrong with having a credit card, but you must know how to use it properly. Many times, I see consumers will really high credit card balances and they feel like they are stuck in
Read MoreWhenever I heard people talk about mortgages, it always sounded like they were speaking a foreign language. So many words I didn’t fully understand: escrow, closing costs, fixed-rate, variable rate, title insurance. I never bothered to learn the vocabulary. I thought someday, down the line, when I’m ready to buy a house or an apartment,
Read MoreWritten By: Calvin O’Neal Russell Jr With so many credit scores and reports out there to choose from, its difficult to know which one is the most accurate. But in reality, all credit scores are accurate, which includes Credit Karma. Many of client’s use Credit Karma. The number question I hear “Is Credit Karma Really
Read MoreMost consumers know that the easiest way to build your credit is by getting a credit card. Credit cards are the easiest way simply because they do not require much to get approved. For the most part, even a consumer that doesn’t have the best credit can get approved for credit card with a reputable
Read MoreWith so many credit score platforms and algorithms out there, many consumers are not sure which is the best route to go. Some companies charge a fee to see your credit score and report and few companies offer a free service. So the question is, can I really see my credit score for free? The
Read MoreFREE QUIZ: Know Your Money Personality Many of my clients have dealt with a previous repossession and some of them are not sure how to bounce back from that. There are a few steps to follow and of course, you must have patience as many banks are not willing to give a second chance. I
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