Repairing Your Credit: Can Someone Else Do It For Me?

So, you’ve applied for credit or looked at your credit report by running the free one you get annually from AnnualCreditReport.com and now you’re ready to get to fixin’ it! Where do you start? How do you start? We offer a number of tools and techniques on our website to help you do just that. […]

3 Myths About Credit Cards: Why You Should Buy With Credit Not Cash

We all know that person or have that family member that believes using cash or hiding it under the mattress is the key to staying financially safe during turbulent times or to protect one’s self from ‘credit crunches.’ However, the myths of credit cards are often conveyed as facts. In our minds we can rationalize […]

Home Depot offers up Cheaper Prices

Recently, the U.S. Government passed litigation that limited the amount credit card agencies could charge retailers that process credit cards, such as Home Depot, Lowe’s, and other consumer heavy businesses. This regulation was also connected to the backlash following the banking crisis that illuminated a lot of the common populous to some of the inner […]

Reward Cards and Unknown Credit Card Deals

There are those credit card companies we are all familiar with. With that simple statement you have already imagined their names, their logos, and for some of you – you have their slogans memorized. Obviously I am referring to the big four: Visa, Master Card, Discover and American Express (in no particular order). However, there […]

Building a Solid Budget

Any good financial advisor, credit councilor, or friend will tell you good money habits start with a solid budget. Now no budget is going to ‘rock’ solid, think of the budget as a road map for success. It serves as guard rails for your spending – just like guard rails, you can adhere to them […]

Understanding Net Worth and Why It Hasn’t Changed

We all know that the recession and recent financial turbulence of the last few years have hit the average American household pretty hard. Even worse, it seems for many, that even as wages increase or the government extends unemployment benefits the distance those dollars go does not seem to bridge the gulf that keeps many […]

The Credit Card Act and the Stay-at-home Mom

In the modern society of today, it is a full time job to raise children – let alone provide for their needs appropriately. With unemployment floating around 8% according to recent reports and the number of families considered poverty level, there are more Americans, namely mothers, working full time jobs right at home. Any parent […]

The Durbin Amendment – The Dodd-Frank Act

Last year or so, you may have heard a lot about bank fees, interchange costs, overdraft, and a number of other key elements that had credit card agencies as well as businesses in a fuss. The turmoil was related to the ability of banks to charge account holders with fees and charges in ways that […]

Credit Cards and Debit Cards are replacing Cash

It is something that we have all believed but never confirmed; that credit and debit cards would someday replace cash as our primary means of paying for transactions. Well, David Morrison with Credit Union Times is reporting just that! In his online article, David points to research done by the research firm Javelin Strategy and […]

Staying Put: Credit Card Interest Rates Holding Steady

According to the CreditCards.com Weekly Credit Card Rate Report, credit card interest rates are staying at a rate of 14.93%. The credit card article on Fox News states that this rate was up in weeks past but seems to be stagnant at this rate. In 22 weeks, the interest rate has only fluctuated – slightly, […]