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51 New Year Goal Ideas For 2023

January 9, 2023 1 Comment

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We all have had our bittersweet relationship with new year’s goals. It has often been sought as a way of reflecting upon life choices of the passing year and dwelling on targets to achieve the year ahead. But as a rule of thumb, intentions to make resolutions never actually materialize. 

To help you set yourself up for a year-long journey of self-efficacy, we’ve provided you with 51 options for new year’s goals.

Also as a personal finance blog, we are listing up actions you can take to make sure you are positioning yourself for financial success. 

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5 Important Things to Keep in Mind When Rebuilding Your Credit

August 18, 2022 Leave a Comment

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Last month, an Associated Press poll showed that most Americans are returning to normal life for the first time since the pandemic began. Covid presented unique challenges, but also unprecedented opportunities for those interested in rebuilding their financial lives. The number of Americans starting a new business hit a record. Personal savings also soared, thanks to stimulus payments, a moratorium on paying student debts, and foregone spending on luxuries like travel. 

5 Important Things to Keep in Mind When Rebuilding Your Credit

One credit expert says that the pandemic has created the perfect opportunity to rebuild credit as the foundation for a brighter — and wealthier — future.

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10 Ways to Improve Your Credit Rating

June 27, 2022 Leave a Comment

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A bad credit score may make obtaining an apartment or a credit card or mortgage more difficult. It may also subject you to higher interest rates, making the credit lines and loans you receive more expensive to return.

10 Ways to Improve Your Credit Rating

If you have poor or fair credit, which is considered a FICO score of 668 or lower, you may need to start thinking about how to improve your credit score. As hopeless as the situation may appear right now, bad credit does not have to stay forever. There are things you can do right now to increase your credit rating.

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Protecting Your Credit Score During the Holidays

December 14, 2021 Leave a Comment

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The stores are all decorated in red and green and lots of tinsel, and Mariah Carey is blasting from every big-box retailer. All that can only mean one thing: The holidays are here! And with the holidays, for many, it’s a time for spending time with your loved ones, and gift-giving. Whether this is your favorite time of year or you’re just waiting for it all to be over, these tips for protecting your score can help you get through the holidays and keep your credit unscathed.

Protecting Your Credit Score During the Holidays

How Do I Protect My Credit When Shopping for Holidays?

Protecting your credit when shopping for the holidays is important. Whether you’re trying to continue to build your score over the holidays or just maintain an already good one, these tips and tricks can help.

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 7 Credit Score Myths: Busted

December 4, 2021 Leave a Comment

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The knowledge we gain from word of mouth is often peppered with a lot of credit score myths, misunderstandings, and lack of clarity. It’s easy to give in to them, forget to recognize advantages, and live oblivious to the provisions offered by various services. Credit cards are not immune to this.

 7 Credit Score Myths: Busted

Sure, it’s important that you maintain a good credit score, but at the same time, it’s highly likely that you’re under a lot of assumptions regarding the factors that influence them.

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Most Common Credit Score Myths

October 19, 2020 Leave a Comment

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There is a lot of noise out there about what is true and what’s not when it comes to a credit score. Today, we will talk over some misconceptions and tell you where to learn more about everything credit-related.

Most Common Credit Score Myths

Here are the most common credit myths that many people still accept as true.

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How To Remove Collections Activity From Your Credit Report

September 22, 2020 Leave a Comment

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It can be both frustrating and debilitating to have instances of collections activity lingering on your credit report. This is particularly true when the information was placed there erroneously.

Removing Collections Activity From Your Credit Report

Notations of collections activity can stay on your report for up to seven years, which can make it difficult to get a good interest rate on a loan, it might even cause you to be denied one.

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5 Doable Ways to Prevent Bad Credit

February 2, 2020 Leave a Comment

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How you use your credit is an essential part of your financial history. Undeniably, lenders and credit card issuers use your credit score to determine whether or not you are qualified for a loan. Besides that, landlords may also use your credit report to know if you will be a good tenant. Even some employers also use this number to determine if you are good at financial decisions.

What to do When Faced with Mounting Legal Fees

With that said, you should maintain a good credit score and or at least prevent bad credits. To help you get started, here are five doable ways you can do to manage your credit history.

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Bankruptcy And Your Credit Report

August 18, 2019 Leave a Comment

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Are you aware of the fact that over 500,000 Americans file bankruptcy every year? This is a staggering number and it is no surprise when you factor in the current shape of the economy. While it might be somewhat refreshing to know that you are not alone in your struggle, it could also be a sign that the country is headed for a recession.

What You Need To Know About Bankruptcy And Your Credit Report

Whatever this situation is, you need to know that there are still repercussions after filing for bankruptcy, and one of the repercussions is a bad credit report. This is why it is imperative that you understand everything you possibly can about filing bankruptcy and how it can affect your credit report.

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Do You Have the Lowest Credit Score? Here Are The Challenges

July 2, 2019 2 Comments

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This is an interesting topic for me to write. I am almost obsessed with my credit score.  I check my latest score every now and then, if not every week. In 2016, the average credit score was 699. This is in the “good” range. But what is considered a bad credit score?

Do You Have the Lowest Credit Score

While there are different credit tiers we all know about, do they mean you don’t qualify for loans, credit cards, a house, a car, and other necessities? It’s important you know what your credit score means to your financial health.

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