5 Ways to Keep Your Money In Order After You Get Married

Getting married is one of the most exciting moments in our adult lives. But things can turn sour on the financial front if you haven’t expressed your shared goals. After all, a marriage is a partnership, and like any partnership, it takes good communication to succeed. If you’re not discussing your finances, something is wrong. We asked financial experts to share a few topics to go over with your... Continue reading

Understanding the Basics of Your Credit Reports

Your credit report offers a snapshot of your financial health to anyone who reviews it, and that can be a lot of people, from cell phone providers and potential employers to lenders and credit card issuers. With so much importance placed on these reports, it’s important to understand what’s on them. Continue reading

When Your Credit Scores Matter

Your credit scores may seem abstract — just a bunch of numbers loosely associated with how well you pay your bills. But these numbers have real-world implications when it comes to borrowing money, qualifying for housing and sometimes getting a job. Continue reading

How Rising Interest Rates Will Affect You

The process by which rates go up and down is somewhat complicated. To begin with, the Federal Reserve, the central bank of the United States, targets an interest rate that promotes employment and stable prices for the country. Continue reading

Creating a Budget That Has the Best Effect on Your Credit

Your emergency fund will thank you. Use a free budgeting app to identify areas where you’re consistently overspending — like, say, all those restaurants you’re frequenting on weekends — then reroute those dollars to your savings account. Continue reading
Credit Scores Across the Country [Infographic]

Credit Scores Across the Country [Infographic]

From coast-to-coast, Americans have been steadily improving their credit. The average Experian credit score rose by three points in 2015, to 699 on a scale ranging from 330 to 830. Continue reading

Finance 101: Credit Score Basics

With just one number, your credit score makes a substantial first impression on lenders because it provides a snapshot of how you've handled debt in the past. The Fair Isaac Corporation score, known as a FICO score, which is one of the most widely used and best known credit scores, ranges from 300 to 850, with a good score being at least 740.   Factors Affecting Your Score The credit scoring... Continue reading

Credit vs Debit: Which Should You Use, and When?

Will that be credit or debit? Those little plastic cards may look the same, but they are oh so different. Let's clear up credit vs debit. What's the difference between credit and debit? When you make a purchase with a debit card (even if you select the credit option), the amount is taken directly from your bank account. So if you're short on funds, your card could be denied or your bank might... Continue reading
It can be funny checking your credit report

Checking Your Credit Report

Several years ago, one of my employers did a routine background check that included pulling my credit report from one of the three bureaus. They were confirming that the details on my resume matched the details on my credit report, which is common for companies in that industry. They discovered that in addition to living in Pittsburgh, PA for college, I spent some time living in rural... Continue reading

Avoid Getting Fired Before You Get Hired

As if the nation’s 14.5 million jobless didn’t have it bad enough already, The New York Times now reports that employers are turning to credit checks to screen hires. The implication? Keep your credit squeaky clean, or suffer the consequences. It has never been more important to be proactive when it comes to personal finances. Talk about scary. According to the Kansas City Star, roughly 5... Continue reading