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. Paying down…

Scam warning stamp

Recognizing a Credit Repair or Credit Counseling Scam

By Max Fay | November 4, 2019

Just making a phone call or clicking a link online to a credit counseling or credit repair company should make you feel like you’re one step closer to putting your…

A senior receiving credit counseling for credit card debt

Credit Counseling for the Elderly

By Bents Dulcio | October 16, 2019

We are never too old to learn a thing or two about how to manage our finances. In fact, the older we get, the more important it is that we…

Help with Credit Card Debt

By Bill Fay | September 10, 2019

If your credit card debt is out of hand, you’ve got plenty of company. After COVID-related stimulus spending helped Americans pay off more than $80 million they owed on credit…

Blocks stacked with the question How should I consolidate my debt next to it

The 8 Best Debt Consolidation Options

By Bill Fay | September 6, 2019

Debt consolidation provides a solution to those dealing with the stress and financial fatigue caused by overspending with credit cards. If you’re using credit cards while struggling to make even…

Bill to pay the minimum payment on credit card debt on table with money

Unable to Pay Credit Card Minimum Payment

By Bill Fay | April 8, 2019

Credit cards can be your best friend – unless you can’t make the monthly payment. Then they can become your worst financial enemy. It’s nice not having to pay the…