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How Students Can Establish Credit

by Nutty

One of the best parts about growing up is becoming financially independent. However, learning how to do it the right way can be a tough task. The first step is to build up good credit. This is essential for your future, because you will need to finance a car [...] Continue Reading…

 

Vital Credit Card Facts

by Nutty

If you are new to credit cards there are certain essential facts you should become acquainted with before you start applying. Not having a working knowledge of credit cards can lead to misuse of the cards, poor credit score, and even financial ruin. There are many types of credit [...] Continue Reading…

 

Getting Married and Credit

by Nutty

Financial problems are one of the leading causes of divorce. Anyone considering marriage should sit down with their future spouse and rationally discuss the subject. Most people never talk about pre-marriage finances, yet are perfectly comfortable discussing social issues, and even the prospect of having children. If you want [...] Continue Reading…

 

How to Build Good Credit

by Nutty

Having bad credit is indeed a problem, but so is having no credit. It used to be easy to build up credit. You simply became an authorized user on your parent’s credit card and started to build up credit. However, this no longer works. You must be an account [...] Continue Reading…

 

Reduce or Eliminate Credit Card Faster

by Nutty

Credit card debt that is allowed to pile up eventually reaches an out of control state. Rather than saving money for a rainy day or investments your money goes to minimum payments. The sooner you admit you have a problem the sooner you can get a handle on the [...] Continue Reading…

 

Credit Card Counseling and Debt

by Nutty

Americans carry more than $700 billion worth of credit card debt. It used to be easy to eliminate drowning credit card debt through bankruptcy. You filed, and your debt was gone. In 2005 the bankruptcy laws changed making it more difficult to wipe away debts. However, if you are [...] Continue Reading…

 

Your Employer and Credit Reports

by Nutty

Many people believe that having poor credit may disqualify them from being hired for employment. Before you start worrying about whether you might not get hired because of poor credit you need learn the six myths of credit reports and employers. The truth is, only 13 percent of all [...] Continue Reading…

 

The Difference between Good and Bad Debt

by Nutty

There is no doubt about it; debt has a bad undertone associated with it. This is because the recession of 2007 to 2009 forced many people into unpleasant financial situations. There are many people barley scraping by, making minimum payments on their credit cards. Some folks have even fallen [...] Continue Reading…

 

How to Avoid Bankruptcy

by Nutty

We’ve all heard of bankruptcy. Most of us prefer to not utter the word, let alone think about it. Bankruptcy is considered a life altering event and ranks with divorce, serious illness and loss of a spouse. In other words, bankruptcy is serious business and should be avoided if [...] Continue Reading…

 

Components of a FICO Score

by Nutty

While the new Vantage system is making headway in financial circles as a method to determine credit worthiness, FICO is still king. Most banks still use FICO to see if you qualify for a loan, or not. Banks also use FICO to apply an interest rate to the loans [...] Continue Reading…