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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…
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…
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…
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…
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…
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…
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.…
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…
The United States operates under a large and relatively persistent trade deficit. Broken down to a basic level, this means that the cost of our imports exceeds the value of our exports. Or, more specifically, our external liabilities outweigh our external assets. The obvious conclusion would be that in the…
Is your credit report less than stellar? Do you avoid checking it altogether because of what you might find? It’s time to face the music and confront the negative items on your report; the good news is, they won’t stay there forever. Let’s take a look at some of the…