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Personal Finance Blog

Catch up on the latest credit.org news and personal finance trends.

Find your financial freedom and partner with our experts by reading the latest in personal finance advice and tips!


We believe in our goal of making homeowners smarter; one key to preserving homeownership in the long run is to prepare properly in the beginning. That’s a big part of what National Homeownership Month is about, and it’s an important part of the nonprofit service we provide to the community. Since the housing crisis that…

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Since the mortgage crisis began in 2008, many government programs have been created to help struggling homeowners. Unfortunately, there are also scam artists trying to take advantage of people who may be behind on their mortgages and are looking to avoid foreclosure. Many new companies have sprung up, calling themselves things like “loan modification consultants”…

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We’ve been helping people be more financially responsible for over 40 years now. We’ve boiled some of our most common advice down to 10 essential rules: PLAN YOUR FUTURE – Plan for the future, major purchases and periodic expenses. You will not arrive to “financial freedom” parkway, without a road map to guide you. Follow…

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Credit card interest is costing you more than you think. There are two factors that impact how much you are really paying, and both of them add up quickly. Interest Rates The first factor is the most obvious: the interest rate. Naturally, a low rate will cost you less—our numbers indicate a $10,000 balance with…

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What Is A Credit Score Jump?

Credit scores change over time; this is usually a very gradual process. Sometimes, a credit score will drop quickly, or even jump up by an unexpected amount. It’s easy to figure out what might drop one’s credit score quickly—bankruptcy, foreclosure, a charged-off account, etc. But sometimes one’s credit score will jump up without any obvious…

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How often have you checked your mail or answered your phone only to find another prescreened credit card offer? Blank envelopes and phone calls from unnamed phone numbers may seem like official notifications. More often than not, answering these notices leads you to find yet another offer claiming that you have been prescreened for a…

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Budgeting Classes

For 40 years, we’ve been presenting financial literacy education to our clients and to the community free of charge. Our budgeting classes and other personal finance education offerings are available everywhere via the internet. We regularly add new courses and revise old ones on our online FIT Academy (Financial Instructional Training). These courses are available…

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Good Credit Score Range

We’ve talked about credit scoring a lot, and even created an infographic to break down “What is a good credit score?”. In that article, we identify 680 as the threshold for “good” credit, meaning a good credit score range is 680-850. As we discussed in a recent article on credit score levels, The ranges vary…

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Credit Score Levels

We’ve written here often about credit scores and what various credit score levels say about you. Our infographic “What is a good credit score?” gives a breakdown of scores from 300 to 850, with this rough set of guidelines: 300-550: Poor credit 550-620: Subprime 620-680: Acceptable 680-740: Good credit 740-850: Excellent When we originally created…

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If you’ve got a credit card in your wallet right now, chances are there is a message on the back right under the signature field that says “not valid unless signed.” The major credit card companies, Visa and MasterCard, require an authorized signature before the card may be processed. Of course, not all of us…

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