We are committed to promoting financial literacy, and we offer a lot of free, online education courses designed to help meet that goal. But what does it mean to be financially literate?
Posts Tagged: Blog
Typically, people think of identity theft as a theft one’s credit information. Someone gets a hold of your credit card, pretends to be you long enough to use the card, and your identity has officially been stolen.
Sometimes having no credit and having bad credit are the same thing in the eyes of creditors. Your answer should be the same in either situation; establish a new credit account and use it very carefully, paying your monthly payments in full and on time.
If you have no luck getting a credit card from a retailer, department store, or gas company, talk to your bank (wherever you keep your savings or checking) and ask for a secured card.
In today’s tutorial we will demonstrate how to obtain your free annual credit report from AnnualCreditReport.com, the official site that allows consumers to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
We have often suggested renting out space in one’s home as a strategy for increasing income and cutting housing expenses. Naturally, this is much easier said than done, so we’ve been offering some posts about what goes into renting out part of your house.
Here are some important Dos and Don’ts when renting out space:
Credit cards have become an easy target for Congressional grandstanding and regulations, but beneath the widely criticized rates and fees lie many good benefits that are usually hidden in the fine print.
Credit cards can provide valuable purchase protections and insurance that are unmatched by cash and debit cards. Yet more consumers are forgoing these benefits and choosing debit cards instead
Thousands of consumers in the U.S. live with the aggravation of not being able to open a bank account after their prior bank account was revoked and their poor history reported to ChexSystems. A checking account is much more than a way to pay for goods and services. Checking accounts make conducting financial business safer,…
Now more than ever it is important for consumers to view their consumer credit reports. Identity theft is reported to be the fastest growing crime and the number one complaint filed with the Federal Trade Commission www.ftc.gov for the past five years. Many businesses are reviewing consumer credit reports on prospective employees, and insurance companies…
We’ve talked about ways to spot a loan scam, but if it’s too late to prevent being scammed and you’re already a victim, it’s crucial that you take the right steps to report the crime. 1. Construct a narrative. Start by writing down your story. Include everything you can remember, but try to keep it…
Setting goals is a crucial part of obtaining financial freedom. We stress goal-setting with all of our clients, and here we offer 7 steps to ensuring you will be successful in achieving your goals. When we educate consumers about achieving financial freedom, goals come up early and often.
This debt management article informs you what to do when you fall behind on your auto loan. For most people, reliable transportation is about as important as food and shelter. Unless public transportation is really convenient from your home and work, or these two places are really close together, it would be difficult to live…
This debt management article will help you understand the public record information contained in one’s credit report. Ideally, you will always be gainfully employed, you will never have a late payment, you will pay off every debt, and you will never owe more than is considered “healthy.”