A credit score is the number that lenders use to determine the risk of loaning money to you. Most lenders in Arizona will check your credit score before deciding how much they will lend you and at what interest rate. FICO scores, the most common credit determining factor, uses five […]

From smallest to biggest, financial decisions depend on credit rating. Either you buy an expensive car or take a microwave on installments, the credit rating is sure to play its role. However, situations happen, you fall into credit score issues, and countless adverse circumstances follow behind. The major issues with […]

What’s Better Debt Consolidation or Debt Relief? If you have high credit card balances and any type of high-interest secured or unsecured debt, a debt consolidation agency can assist you by consolidating all accounts into one low-interest loan. You can even include your car loan in debt consolidation. On the […]

Many people identify credit card as just another tool to make your purchasing easier, but while used appropriately, it can be a lot more. When used properly, a credit card can be even an ideal tool for you to build a good credit history or revert your bad credit to […]

When it comes to how you can pay credit cards bills and clear your dues, the more choices you have, the easier it gets. Ensuring timely payment of your credit card bills is key to maintaining your credit score and eliminating penalty charges. These days, issuers have a variety of […]

One of the most important features of your credit card is the interest rate—the percentage of your existing balance that you’ll pay in interest per year (though usually compounded more frequently). This rate plays a major role in determining how quickly you can pay off your debts, and how much […]

Your credit card statement is something you need to go through carefully if you own a credit card. It is not similar to any other bill that you receive at home. The statement is a summary of all the transactions you have made, outstanding amount, reward points earned/redeemed, etc. However, […]

Filing for bankruptcy is one of the scariest things that one can ever do. Among the things that can force somebody to file for bankruptcy include large medical bills, unemployment, a massive amount of debt, or even marital problems. Since filing for bankruptcy is not a matter that can be […]

Often, stuff happens and we find ourselves in compromising situations. Bad credit is one of those situations. If this is you, however, don’t despair. Where there is a will, there is a way. In the following few words, I’m going to show you the way, actually, more than one way […]

The debt load on a common man is increasing day by day. Each person desperately wants to get rid of their debt as quickly as possible. Even in ancient scriptures, having a debt on your head is mentioned as one of the worst things that could happen to a person. […]

Have you always used a debit card to date? It might be time to switch to a credit card given its many benefits. If you were always under the impression that credit cards are only good for making purchases, think again. Credit cards have several advantages over the debit cards, […]