Category:
Credit

Woman applying for a new credit card on her computer

Should I Apply for a New Credit Card During COVID?

By Bill Fay | September 24, 2020

The COVID-19 pandemic has created record unemployment, erased profit margins, closed businesses and wreaked havoc on almost every family’s money outlook. It has even affected America’s ultimate get-out-of-jail financial symbol…

Roadside sign that says Payday Loans

Can Credit Counseling Help with Payday Loans?

By Max Fay | February 27, 2020

When in need of quick cash to pay a bill or an emergency expense, a payday loan is often the easiest place to turn. It is also often the most…

African american daughter hugging her mother in military uniform with balloons

Veteran & Active Duty Military Credit Counseling

By Max Fay | February 24, 2020

Financial problems, it turns out, are bigger stressors among military families than deployment, moving, and separation from family. Service members and their spouses ranked financial stress as their biggest concern…

Portrait of young couple sitting on floor dreaming of future house furnishings

Can You Buy a Home While on Credit Counseling?

By Max Fay | February 20, 2020

People normally enter credit counseling when they are struggling with burdensome debt and need help working through it. In most cases, buying a home and taking on a mortgage isn’t…

Chalkboard with text that says "Post-Grad Credit Counseling"

Post-Graduate Credit Counseling

By Bents Dulcio | February 19, 2020

When you graduate college, your priorities shift from football games and final exams to landing your first job, locking down an affordable apartment and repaying student loans. Here’s one more…

Image of books stacked in shape of house

Housing and Credit Counseling

By Bill Fay | February 13, 2020

Talking to a credit counselor is probably the last thing on your mind when you’re shopping for a home. The list of people you already have to speak to —…

Vector of a businessman pushing scale changing credit information from poor to good

Credit Counseling vs. Credit Repair

By Bents Dulcio | February 7, 2020

They sound like different ways of saying the same thing, but credit counseling and credit repair are two completely different strategies for lifting yourself out of debt. Credit counseling is…

Image of a new credit report

How the New FICO Credit Scoring System Will Affect You

By Bill Fay | January 29, 2020

The announcement that FICO will put two new credit scoring models – FICO 10 and FICO 10T – into play this summer is the ultimate good news/bad news situation for…

Young man and experienced credit counselor in session regarding student loans

Student Loan Credit Counseling

By Bents Dulcio | January 28, 2020

Repaying student loans can get complicated quickly. Which repayment program do you sign up for? Could you be eligible for forgiveness? Is there a penalty for repaying loans early? No,…

Graph of interest rates lowering

How to Lower Your Credit Card Interest Rate

By Maureen Milliken | December 23, 2019

Paying down a credit card balance can seem impossible, especially if you’re paying 20% or higher interest on your bill every month you don’t pay off the balance. When that…