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How Often Should You Check Your Credit Report for Accuracy?
According to Experian, one of the three credit bureaus, you should check your credit report at least once a year. You should check more often if you plan to finance a big purchase in the next few months or if you know you are at increased risk of fraud. Checking your credit report annually protects yourself from fraud and allows you to review where your credit accounts stand. It's important to monitor your credit report…
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Understanding Credit: Where It Comes From, How it Works and How to Build It
So what is credit, how is it built and what can you do to get your own score off to a great start? Here are some things you need to know about credit scores.
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Using Credit Cards in a Smart Way
Using Credit Cards in a Smart Way - There is much debate about the role credit cards should play in a family's life and finances. Some would argue that credit cards do nothing but sink consumers into more and more debt. After all, credit card interest rates can be among the highest rates we pay on any type of loan, depending on your credit score. That's mainly because credit card debt is considered unsecured debt.…
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5 Effective Ways to Stay Debt Free
Getting out of debt and staying out of debt is not easy. It requires you to apply certain principles in managing your finances and to practice financial discipline as well. To achieve this, here are 5 effective ways to help you manage your finances and stay debt free
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Top 10 Credit Score Myths
Top 10 Credit Score Myths - There is no shortage of myths when it comes to credit scores. Even with all the buzz about credit scores today, a surprisingly high percentage of people don't understand the basic principle that a credit score measures creditworthiness. When it comes to your credit, what you don't know can hurt you. Let's take a look at ten myths and separate fact from fiction.
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How Cash Can Be Dangerous For Your Finances
How Cash Can Be Dangerous For Your Finances - There are many benefits to keeping cash; it is safe from hackers, exempt from credit and debit fees, and does not require any hardware or software to use. Most importantly, nothing feels better than having a wallet full of twenties. What most people do not realize is that cash has some serious downsides. Believe it or not, a study from Fletcher School at Tufts University found…
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10 Steps To Taking Control Of Your Debts
10 Steps To Taking Control Of Your Debts - Few of us go through life without incurring debt. Borrowing money is a convenient way to help us through life. However, when debt starts building up, it can become a major problem. Ignoring the issue is going to make matters worse, so it's important to manage debt. The following steps can help you reduce your debt. Please note that these steps are aimed at people whose…
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10 Ways to Improve Your Personal Budget
10 Ways to Improve Your Personal Budget - Are you running your own deficits in the form of credit card or student loan debt? Are you living on borrowed time and simply hoping for the best? Here are 10 ways to improve your personal budget starting today. If all goes well, the spendthrifts in the halls of power may take notice and start to turn their own ship around.
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10 Tips on How to Improve Your Credit Score
10 Tips on How to Improve Your Credit Score - Your credit score is more important that you may have realized. It doesn't only affect your ability to take out loans and get a mortgage. It can also make it difficult to get accepted for telephone and similar contracts. Some employers will check your credit before they will offer a job as well. Your credit score determines how much you will pay for a loan…
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