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

5 Things I’m Giving Up to Become Debt Free

5 Things I’m Giving Up to Become Debt Free (3)
I know you’ve probably heard that getting out of debt requires some sacrifice. Getting out of debt will change your life so you have to be willing to make some changes during your journey in order to get there. I’ve made quite a few sacrifices over the past few years in order to get out of debt but I consider them minimal in the grand scheme of things and some of them are only temporary. Here...

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Posted in: Credit and Debt

Can you improve your credit with a personal loan?

5 Things I’m Giving Up to Become Debt Free (7)
It’s a common problem for Americans everywhere – you have to use your credit cards for an unexpected financial hardship, but in the process you rack up high balances that you’re having trouble repaying. Not only will you end up paying interest charges, but those balances could also negatively affect your credit score. One way to improve your credit and even make it easier to pay off your debt...

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Posted in: Credit and Debt
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