According to FICO, the average credit score in America for 2021 is 716. In general, this is a good credit score, but it’s only the average score, and about 11.1 percent of American consumers have poor credit scores, i.e., scores less than 550. Are you one of them? Credit scores […]
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4 Things About Credit Scores That Make Zero Sense
If you’re an adult in the U.S., there’s a good chance you use a credit card (or in some cases, multiple credit cards) for the majority of your purchases. As a credit card holder, you’re assigned a unique number—a credit score—that credit card companies and lenders use to determine how […]
Credit and Car Insurance – The Continuously Raging Controversy
With the power of purchasing, comes responsibility. Most of us swing into enjoying the ‘credit’ way of life with multiple credit cards and other conveniences without a second thought. No doubt, dollars in your pocket or current checking accounts determine your purchasing power. However, one should not forget the deep […]
Mental Health and Credit Repair
Mental Health has a detrimental impact on people living with debt in their lives. We all know the financial problems that exist when in debt but not many people discuss the darker side that impacts so many of us. How Does Credit Card Debt Affect Mental Health? According to an […]
What is a good credit score and why should you care?
What kind of lending risk are you? If you are looking to borrow money it is important to know. Your credit score is what potential lenders will use to determine whether or not they are willing to lend you money, how much they are willing to lend and at what […]
Cufflinks through the ages: A love affair
The cufflink, or at least its predecessors, has been a part of men’s wardrobes for about a thousand years. Royal families have been commissioning them to mark weddings and other special events for many centuries; there are even references going back to the Ancient Egyptians. These days, of course, with […]
Loan Options for People with Bad Credit
Can you imagine a world in which you had zero debt? For the average American, this dream doesn't even exist. It seems so far from reality that many people have simply stopped considering it a possibility. And it's no wonder, with nearly half of all Americans carrying an active balance […]
How To Improve Your Credit
People make mistakes, and, if you're living paycheck to paycheck, it can be hard to pay all your bills on time. That hurts your credit, and you're wondering what you can do to repair the damage. You aren't alone - millions of people around the country have poor enough credit to make […]
The Investor’s Guide to Becoming a Landlord
Whether you’re a commercial investor focused on NNN property investments, or a residential property investor focused on a buy-and-hold strategy, you have a lot of things to consider. Becoming a landlord of an NNN property is much easier to deal with as you basically hand over the running of the […]
All You Should Know About Pre-Employment Screening
Many businesses and companies have a talent acquisitions team as part of their human resources department that shortlists and interviews potential candidates for a particular job profile. One of the tools that the HR department can use before in the process of recruitment is to have a pre-employment screening done […]
How Identity Theft Affects You
There are many variations on the crime of identity theft, but it all boils down to someone using your personal information to pretend they are you and charge items on your credit card, apply for loans and more. A thief may even commit a crime in your name, which gives […]
Know Your Consumer Rights
For all practical purposes, the most protection that the public consumer had before the 1960s was the old adage Caveat Emptor (buyer beware.) Although fraud and corruption has not diminished any, there have been several legal tools implemented that do offer the public and consumers leverage in a form of […]