1. How to Manage Your Debt to Credit Ratio

    Your debt-to-credit ratio is the amount of debt you have incurred versus the credit limit the credit card company has given you. For example, if you have a credit limit of $2,000 and you have a balance of $500, your debt-to-credit ratio is 25%. Your debt ratio makes up about a third of your FICO cre…Read More

  2. Student Loan Debt: An Alternate Perspective

    For the past few years, financial experts far and wide have been warning that student loans will bring about the next financial crisis. With high balances and high default rates, it’s a widely held perception that America’s ballooning student loan debt will soon lead to a real-estate-bubble-esqu…Read More

  3. Sitting: Our Generation’s Epidemic

    Today’s men and women spend more time sitting down than any generation before. Think about it: whether at work, in a meeting, getting together with friends or relaxing after work, the vast majority of the day for the average American is spent, well, on our butts. The average American now sits for …Read More

  4. 3 Steps to Raise your Credit Score Before Getting a Mortgage

    The biggest and most important loan most of us will ever apply for is a mortgage, or home loan. It’s the toughest to get approved for, and the interest rate you qualify for can literally make a difference of thousands of dollars per year in payments. If you’re thinking of applying for a mortgage…Read More

  5. Repair Bad Credit With a Secure Credit Card

    If you have bad credit, repairing it can feel like a catch-22. You have a hard time obtaining credit because your credit score is poor. But to improve your score, you need to obtain credit. How do you break the cycle? If you’ve tried everything to obtain a low-limit card but are still getting decl…Read More

  6. 5 Tips to Get the Best Credit Score Possible

    Want the best interest rates? How about a higher credit limit? These things require having a great credit score! Here are 5 things you can do to makes yours as high as possible. 1. Keep different types of credit accounts. There are four different types of credit accounts, listed in order of importan…Read More

  7. How You Can Benefit from Credit Monitoring

    It’s a common misconception that credit monitoring services are only for those who are irresponsible with money or who have bad credit. In fact, just the opposite is true. If you have good credit and want to maintain it, or even improve upon it, a credit monitoring service can benefit you greatly.…Read More

  8. Six Tips to Build Your Credit

    There are a lot of misconceptions floating around out there about how to build credit, and many of them are no better than that—misconceptions. If you really want to build up your credit when you don’t have any, or repair your damaged credit, follow these six proven tips. Don’t bother becoming…Read More

  9. Credit Delinquencies at an All Time Low

    Credit card and receiptsThe job market has been steadily improving since the recession ended, but did you know the credit card delinquency rate has also been steadily dropping? The delinquency rate calculates the number of loans past due by a month or more measured as a percentage of all loans. The …Read More

  10. How To Negotiate with Creditors to Reduce Your Debt

    Paying off debt is one way to get your credit back on track. Another way? Negotiating with your creditors to get them to lower the amount of money you owe them. It sounds great, and it is possible, but creditors and their money aren’t easily parted. Read on to learn how to negotiate with your cred…Read More