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Concerned about applying for a loan? Worried about a lackluster credit score? Luckily, there are many different ways to improve your credit score. Having good credit is essential for making big life-changing purchases but building credit can be daunting. Fortunately, we’ve compiled a list of some of the easiest and most effective ways to build […]

Paying off a loan is a wonderful feeling. After months or years of debt, paying off a loan can feel like a light at the end of the tunnel. However, there are some common misconceptions about the effects a paid-off debt has on a credit score. Many assume that when a debt is paid off, […]

The United States has a progressive tax system, meaning that the more you make, the higher percentage of your income will be taxed. As of 2020, there are seven tax brackets: 10%, 12%, 22%, 24%, 32%, 35% and 37%. Depending on how you file, there are different income thresholds for each percentage.   Tax Brackets […]

  Credit is more than a card in your wallet. It’s also your financial reputation. Though you want to have a good reputation, small errors can affect how creditors see you. In the world of credit, any mistake you make can lead to a lower credit score. In financial terms, these mistakes are known as […]

Though the only two guarantees in life are death and taxes, most people avoid thinking about both. When tax time rolls around, millions of Americans file their taxes as they always have and move on with their spring. If you do your taxes yourself, it’s hard to remember all the IRS’s ins and outs, and […]

Having debt is common. Between student loans and credit cards, most people owe money in one way or another. Sometimes, our banks and creditors send the loan to a debt collection agency if we are behind on our debt payments. In these cases, a third-party agency is in charge of collecting the money owed, rather […]

Having a strong credit history is extremely important. While your credit score is reviewed when applying for a new credit card or bank loan, it’s actually used in many other situations as well. If you are looking to buy a house, mortgage lenders will look at your credit history to ensure it isn’t too risky […]

Credit cards are an incredible convenience. They help people make purchases in emergency situations and allow them to pay the bill later. Being comfortable using a credit card is a necessity if you’re looking to build good credit to buy a house or get a loan in the future. However, credit cards can sometimes be […]

Sometimes we need a bridge to help us get to the next payday. The good news is that there are more options for quick financing than ever before. However, securing financing isn’t a one-size-fits-all type of endeavor. That’s why it’s important to do your homework when it comes to finding out what’s available. Two of […]