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Meet The Man Who Has 1,497 Cards
Walter Cavanagh of Santa Clara, Calif., is currently the Guiness Book of World Records title holder as “Mr. Plastic Fantastic”. Cavanagh has 1,497 valid credit cards which adds up to $1.7 million in available credit. He owns a custom wallet (which he does not carry around) that is 250 feet long, weighs 38 pounds, and…
The Lowest Credit Scores In The United States
An individual’s credit scores affects whether they can receive loans and how strict the lender will be about repaying the loan. Albuquerque residents have the scores that fall in the bottom third of all US states. According to credit rankings released by the website WalletHub, residents have an average score of 656.01. The ranking examined…
Millennials Are Moving On From Debit Cards
According to Mercator Advisory Group, using cards that make automatic deductions from a checking account is at a seven year low in young adults. There’s been no change in usage numbers for most of the general population. However, the difference is small. 59% of the American population use debit while 56% of young adults use…
Your Credit Score Is More Important Than Ever In 2016
Lenders use your credit score to determine whether or not they will lend you money for car loans, a credit card, a mortgage, etc. It also determines how much interest you’ll pay. In 2016, more than ever before, three credit scores will be more important. In December, the Federal Reserve Board increased the federal funds…
Could Credit Freezes Help Protect You At Tax Time?
Millions of Americans could be affected by having incometax refunds stolen. Would credit freezes or alerts help? Identity theft is a real and growing risk for taxpayers. A fraudster could file a fradulent taxreturn in your name, meaning the person could steal your refund. Although tax payers usually get their money back, it could take…
Repair Your Credit With These Seven Steps
Financial problems are something most people go through, and that can affect your credit score. Sometimes it’s hard to repair your credit after filing bankruptcy or even just getting behind on some bills. Here are seven steps to help you repair your credit. Check your credit report by getting a copy, and see if there…
Why Financial Experts Need To Use Technology And How
Modern technology and finance seem to go hand-in-hand. In today’s world, traditional business models are old and outdated. To stay up to date, businesses and owners need to utilize modern technology, such as mobile, social and big data, to thrive this digital market. Financial officers in a modern market have begun to back a business-wide…
Protect Your Credit Score Against Identity Theft
Identity theft is a headache to deal with on its own, but it can negatively impact your credit score too. Credit scores start at the bottom of the barrel at 350 and can get as high as 850. The higher your score, the better off you are. But, if someone steals your identity, your credit…
Number Of Mortgage Loan Applications Decrease
11.7 million, the number of American individuals whom applied for home purchase mortgages in order to obtain a home. This was the year of 2005 in which applications were at their highest rate. Soon however, within a six year period that 11.7 million Americans declined to 3.6 million Americans seeking home loans. From 2011 to…
The Costco Credit Card Switch: What You Need To Know
A pleasant reminder to all Costco credit consumers: It’s time to obtain your Costco Everywhere Visa credit card prepared to shop at Costco outlets and online beginning from June 20, the official day the bulk retailer basically changes towards the new Visa network with provider Citi. Earlier, the True Earnings Card from Costco PRICED at…