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It comes as no surprise that getting a loan these days is much different from getting a loan a hundred years ago. Back then, a firm handshake and a smile was about enough to solidify a great loan. However, unfortunate circumstances lead to non payment and because the banks started to lose quite a bit [...]

It is no secret that credit cards are a very important financial tool to many. This is why it comes as a surprise to me that the proper use of credit cards is not a class that is taught in school. Because improper use of credit cards is one of the leading causes of financial [...]

Years ago, getting a loan was a very simple process. All you had to do was walk into a bank with a smile and a firm handshake and you would most likely qualify. However, today, getting a loan requires much more. It requires that consumers sign documentation, have proof of income and most of all [...]

Credit Scores, Credit Scores, Credit Scores Ohh My! Ahhh credit scores, these days, if you have a good credit score, you can pretty much get anything you want on credit. Adversely, if you have a bad credit score, coming across a bank that will want to loan you money for things like a house, cars, [...]

Ahhh, the joy of college. Finally, you get to leave the nest. No rules to follow, come in at any time of the night, that’s right, it’s time to answer to you and only you! But wait, having these great privileges means great responsibility right? Of course it does. College also means for most students [...]

Every once in a while, we hear someone speak of a time when credit was a hand shake. However, these days, there have been detailed tracking systems and algorithms put into place to judge consumer credibility. Today, everyone has a credit score like it or not. Having a high credit score means that you will [...]

These days, credit cards are so important to the financial stability of the average consumer. It actually frustrates me that there aren’t more options out there for people to learn how to properly use credit cards. If you have read my articles, you may have heard me say that proper use of credit cards can [...]

Looking to the past, it used to be a world where all you had to do to borrow money was have a firm hand shake and an honest voice. Unfortunately, to many untrustworthy borrowers have forced us into a world of checks and balances. These days, credit scores are now the new handshake and honest [...]

In past American civilization, credit was not a big issue. There are actually records of major business contracts and loans without a signature, a simple firm handshake was enough to close any loan. Through the last forty years, credit has become more and more important to the average American. These days, a firm handshake just [...]

Years ago, people could purchase many things on credit. However, unlike the way we go about obtaining credit was a bit different. Instead of having to sign a document saying that you will pay back any debt owed, all card holders would need to do is simply have a firm handshake. Obviously that did not [...]

As adults in the United States, we are very conscious of our credit, or at least we should be! Your credit score is a number that follows you around no matter where you go or what you do. This number tells the banks how credible you are when it comes to borrowing money. It tells [...]

Having a good credit score has become an important part of being financially free. In the old days, a good strong handshake was enough to show that you are a credible borrower. Unfortunately, these days it takes a little more. Your credit score is based on how you have handled your finances with loans in [...]

Your credit score plays a huge factor in the type, amount of money, and interest rate of any loan you will ever get in the United States. Building credit in tough economic times however can prove to be quite the difficult process. With new laws in place making it harder for banks to price for [...]

Years ago, a firm handshake was all you needed to show that you are a trustworthy person. Unfortunately, due to the fact that there are many people that aren’t so trustworthy and do have a handshake, banks now judge how much they can loan to someone by credit history and credit scores. Your credit score [...]

It is no secret that your credit score is very important to your financial stability. Consumers with excellent credit scores qualify for lower interest rates, more money and more rewards! With that said, I’m sure you can see why many consumers want to build their credit scores as fast as possible. I have found that [...]

Credit cards have become a vital aspect to the financial success of consumers in the United States. With that said, it is obvious that with so many consumers using credit cards, there has to be different kinds of credit cards to satisfy the needs of all of these consumers. There are indeed 3 main types [...]

It is no secret that consumers with excellent credit have many more options when it comes to careers, cars, homes and lifestyles. However, the common thought is that it takes years to build up to excellent credit. But, what if your car breaks down and you may be able to get by for a year [...]

When consumers become of age, one of the first things that they must do is work on their credit scores. Credit scores are extremely important when it comes to long term financial stability. A credit score is a number that follows consumers based on their debt history. This score is one simple number that allows [...]