The nation’s housing prices are rising, and first-time homebuyers can more easily and quickly enter the housing market thanks to low down payment mortgages. You might be able to purchase the house you want right away with a small down payment and good credit, saving you the time and trouble of waiting and continuing to … Read more
There are three major credit bureaus in the U. S. Equifax®, TransUnion®, and ExperianTM are three companies that are utilized for various purposes, including obtaining credit reports. Credit reports are generally provided for free once a year from each of these three bureaus. Credit bureaus are also called Credit Reporting Agencies or CRAs. Each credit … Read more
Yes you can still use your debit card if you freeze your credit. A credit freeze only affects your ability to open new lines of credit not your existing accounts. This means you can still use your debit card, credit card, and other existing forms of credit as usual. Here’s why: A credit freeze doesn’t … Read more
For the majority of purchases, using a credit card is advantageous over using cash because it allows you to accrue valuable rewards for purchases you were already going to make. Plus, they’re safer to carry than wads of currency, as you (usually) aren’t liable for unauthorized purchases. Still, sometimes you need cash. The short answer … Read more
In addition to other variables like your down payment, the length of the loan, and the kind of car you’re buying, your credit score will have a significant impact on your interest rate on a car loan. Auto lenders consider a variety of factors when determining your loan interest rate, including your credit score. According … Read more
Don’t worry; we’ll assist you in determining why your tax return’s refund is smaller than anticipated. There are lots of reasons why this might happen. Generally speaking, the IRS deducts a portion of your refund to cover any unpaid government debt you may have. The IRS handles outstanding debts for federal taxes. The Department of … Read more
Life throws curveballs and sometimes those curveballs come in the form of unexpected financial hurdles. If you’re facing a financial emergency and can’t cover this month’s car payment you might be wondering, “Can I push my car payment back?” The answer, thankfully, is often yes, but it’s not as simple as flipping a switch. Understanding … Read more
Like all car financing options, leasing a car comes with its own set of pros and cons. Usually, it is cheaper (initially) to lease compared to purchasing a car through financing. However, payment is not the only thing to consider when looking into leasing a new car. You need to take into account the length … Read more
Making extra payments can drastically reduce your loan term and save you a tremendous amount on interest charges. To find out how quickly you can pay off your mortgage with additional monthly payments, use our extra mortgage payment calculator. Making extra mortgage payments can be a game-changer when it comes to accelerating your debt repayment … Read more
Buying a car, furniture, or appliance on credit card right before closing on a house loan will negatively affect your credit score and history, making it impossible for your application to be approved. Although you might want to use your credit card to make purchases in order to accrue reward points that can be exchanged … Read more