How to Qualify for a Loan With Minimal Effort

As a small business owner, you probably don’t have a lot of time to jump through hoops in order to qualify for a loan. You especially lack this time when you’re not certain that a finance company will even approve your application. Even if they do approve it, you aren’t always sure how long you will have to wait before you can gain access to the money or what interest rate and fees...

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Posted in: Credit and Debt

What is Everyone’s Starting Credit Score?

Have you ever thought about what everyone’s starting credit score was before they even started building credit? Unfortunately, I made a mistake at one of my first banks which negatively affected my credit so when I finally checked my score, it was low. I always thought about what my score was or could have been at the beginning? Does everyone start with 0? Do they give you a few points in good...

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Posted in: Credit and Debt

Predictive Analytics: What is FICO and Why You Need to Know

If you are an adult, you’ve probably come across the term “credit report.” This is a score by which all financial institutions judge your trustworthiness when it comes to getting loans, credit cards and even jobs. You probably also know that the higher your score, the more likely you are of being approved. What you may not know is how the credit reports came about. In fact, there is one major...

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Posted in: Credit and Debt

4 Things I’m NOT Giving Up to Become Debt Free

5 Things I’m Giving Up to Become Debt Free (2)
Last week, I shared 5 things I’m giving up in order to become debt free. This week, I think it’s only fair to share some of the things I’m not giving up while on my debt repayment journey. I only came up with 4 this time so many that mean I’m still better at making sacrifices to pay off my debt 🙂 Even though I really want to get out of debt, I don’t consider it a death...

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Posted in: Credit and Debt
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