See what questions your friends are asking today.

Legacy account member? Sign in.



5 Ways to Avoid a Foreclosure

Foreclosure - it's an ugly word that too many Americans have heard recently. A staggering number of families found themselves in foreclosure during the height of the recession, and as the real estate industry melted down, more and more people found themselves upside down in a home that was worth nowhere near what their mortgage costs. However, foreclosure doesn't have to be a foregone conclusion, even for those who find themselves out of a job. Here are five ways you can try to avoid foreclosure....(more)

5 Preventable Things You Can Do to Hurt Your Credit Score

You'd be surprised by some of the things people do or allow to happen with regards to their borrowing practices. Many of them are not just detrimental to their credit scores. Some of these mistakes absolutely ruin their credit scores, and it can take a lot of time to rebuild them. Below are five preventable things that you can do to hurt your credit score....(more)

Overcoming the Difficulty of Renting after a Foreclosure

It can be extremely frustrating to have your home taken from you and then find out that you are going to have a hard time finding a place to rent as well. Not only does this make it difficult to survive, but also it is another hardship that you have to deal with after losing your home. By taking the necessary steps, before and after you have lost your home, you can improve your odds of finding a good place to rent anyway....(more)

A Straightforward Guide to Maintaining Good Credit

In this day and age when the success of any major purchase seems to hinge on whether or not you have a good enough credit score, maintaining good credit is a vital skill for survival. There are a number of different things that you have to do to keep your credit in good standing, but each of the different steps is vitally important if you want to be able to make major purchases on credit....(more)


Debt-to-Income Ratio Calculation Can Be Helpful in Maintaining Your Household Budget

People rarely pay for purchases using cash anymore. Credit is the preferred method of payment. With everyone making purchases using credit, however, it can be hard to tell exactly how well you are doing financially. You may think you are doing just fine, until your credit cards are suddenly maxed out and your finances spiral out of control. This is why it is important to ensure that you aren't using more credit than you should be. Using a calculator to determine your debt income ratio can help you determine the health of your household's budget....(more)

The Value of a Monthly Finance Charge Calculator

When you're paying on credit accounts and budgeting your income to get them paid off, it's a good idea to use a monthly finance charge calculator. It's not just the total balance that you have to look at. It's how much interest you're paying. Each time you make a payment, some of it goes to interest. When you know how much, you can better estimate how long it will take you to pay off your debt....(more)

Citi Hilton HHonors Credit Card: Does It Fit Your Budget?

The Citi Hilton HHonors credit card is a rewards credit card. The card, aimed at those with above average credit, provides the user with bonus points. Those bonus points are redeemable for free or discounted stays at Hilton Hotel Worldwide locations and other travel rewards. Before you consider applying for this credit card, be sure it fits into your budget and needs....(more)


Why You Should Avoid Payday Loans

Payday loans are a nightmare. When most people think of loans, they envision approaching a bank and submitting an application. The bank's approval is based on your credit score, the amount you can put down for the loan, and your income. With a payday loan, you only need to have a job and a checking account to be approved for a loan you'll need to repay in as little as two weeks. That may sound reasonable, but if you're already having financial difficulties, payday loans are a trap. Here are some reasons everybody should avoid payday loans....(more)

How Auto Loans Affect Your Credit Score

Everything you do financially impacts your credit score. Unpaid credit card debt drags your score down. A mortgage that is paid on time is a valuable asset that proves responsibility and financial stability. Where can an auto loan do for your credit? How do auto loans affect your credit score? Interestingly, auto loans are both similar and dissimilar to other items on your report. Here's how they affect your credit and what you need to know about them....(more)

Cash Advance Do's and Don'ts

A "cash advance" loan is a quick loan involving little or no collateral, but carries high interest rates. Usually, cash advances are offered through credit card companies, which allow you to take out money through an ATM, and add the amount to the balance of your credit card. However, they can also include "payday loans," which are loans for small amounts of money and are unsecured by collateral. Sometimes, getting quick access to cash is necessary; however, you should avoid this type of loan unless you absolutely need it....(more)