Posts Categorized: Credit and Debt

If you’re like the majority of U.S. taxpayers, you’ll soon have a tax refund check burning a hole in your pocket (if you haven’t received it already). What next? Using your refund wisely can accelerate your progress toward important financial goals. Here are our top suggestions to make the most impact with your tax refund….

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Getting ready to file your tax return? Review these guidelines and take action where appropriate to make the most of deductions and get your return processed as smoothly and efficiently as possible. Make Any Last-Minute Traditional IRA Contributions The deadline for tax-deductible 401(k) and HSA contributions has already passed. You still have until April 17,…

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The common element of a successful Debt Management Plan (DMP) is the payoff of excess and oftentimes very unmanageable debt. No two people have the exact same circumstances that created the debt or how they reap the multitude of benefits with successfully completing a DMP. With the help of a trusted and certified financial coach,…

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Many financial experts say one credit card is all any consumer needs. Yes, it’s possible to have multiple credit cards and manage them wisely, but ultimately, the typical consumer should be able to get by with only a single card. However, if you happen to make a lot of purchases online or travel, you may…

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When you get a call from a debt collector, it’s important that you respond in ways that will protect your legal rights. The debt collection industry has long been plagued by bad behavior from collectors. Things got so bad that in 1978, the FDCPA (Fair Debt Collection Practices Act) was passed. This federal law is…

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Simply put, if you need a mortgage to buy a home and you have bad or even no credit, it’s going to be a challenge. Don’t despair; there are mortgage programs to serve consumers that have less than ideal credit. Why do Mortgage Lenders Care About Your Credit? One of the primary uses of a…

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Many news stories about debt revolve around the millennial generation. Debt troubles aren’t restricted to one generation, though, and as Baby Boomers enter retirement age, many of them worry how they’ll finance their “golden years.” If you’re hoping to retire debt-free, make a plan to tackle these common sources of Baby Boomer debt. Control Credit…

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