Blog

If you ask someone what their debt-to-income ratio is, they will most likely not be able to give you an answer. Sadly, this obscure credit item is actually very important in determining whether or not you can get the loan that you want. So, what is a debt-to-income ratio, or DTI? Put simply, a DTI [...]

Many of the people that would like to find a Debt Settlement company to help them get out of debt quickly do not understand the importance of understanding how the Debt Settlement company works. There are thousands of Debt Settlement companies across the nation and each one is charged with matching each person to [...]

One important item with your credit is your available credit. While this is so important, many people do not think too much about it. The reason is that they will often think about paying their credit bills, keeping the right number of credit cards and ensuring that nothing is late. However, they may not think [...]

There are many mistakes that people can make that can increase their credit card debt by a significant amount and reduce their credit score very quickly. Many of these common mistakes are things that people do not imagine will increase their credit card debt as much as it actually does. People that can [...]

Many people think that credit cards are like cars, the more you have the better. However, this is far from the truth. Credit cards do help your credit, there is no doubt about that, but there is a delicate balance that you have to maintain with your credit cards if you want to maintain a [...]

Often, it is not the amount you have on your credit card that sinks you, it is the interest payments. Interest on your credit card can be crippling. If you have poor credit history, you could find that your credit card interest rate has increased dramatically. On top of that, many low introductory interest rates [...]

It is a common story. You get a credit card and you find that the interest rate is nice and low at five percent. However, due to something in your contract, or a decrease in your credit score, that interest rate suddenly shoots up to 20 or even 30 percent. This can happen without notice [...]

In honor of everyone who has been involved in the debt relief shuffle (otherwise known as shuffling your debt between credit cards to save on payments and interest while not actually doing anything about the balance owed) we’re giving away a 1GB iPod Shuffle every Tuesday for the next five weeks. Most people realize [...]

With the financial crisis that has hit the world, it can seem like your retirement savings may be gone. Literally billions have been lost in retirement funds, causing many people to worry about how they are going to fund their retirement. Many soon-to-be retirees are looking for new ways to help their retirement, and one [...]

There are always embarrassing moments in our lives. Those moments help make us who we are. However, sometimes those moments can be more than just embarrassing, they can be an indication of a severe financial problem. Such is the case when you try to pay for a meal, only to have your credit declined because [...]