How Long it Really Takes to Boost Credit

How Long it Really Takes to Boost Credit

If you are like many Americans, you may want to improve your credit score in order to get a mortgage, obtain an auto loan, or just to save money on your insurance premiums. Admittedly, there are ways to improve your credit score quickly; however it generally takes months, if not […]

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Repaid.org Picks: The Top 20 Credit Union Blogs

Repaid.org Picks:  The Top 20 Credit Union Blogs

If you read our blog with any frequency, you know that, here at Repaid.org, we’re big fans of credit unions. Member-owned, community-driven, not-for-profit, with dividends distributed to members rather than only stockholders? What’s not to love? And in this world wide web we call home, the way to share the […]

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HELOC Draw Period Ending?

HELOC Draw Period Ending?

We have talked about the benefits and potential dangers of a home equity line of credit (HELOC) on this website in the past. While this line of credit makes sense for extensive home repairs or maintenance, it does have its drawbacks. One of them is the end of the ”draw […]

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PF Faves: How to Save Money as a College Student

PF Faves:  How to Save Money as a College Student

Recently, the experts at Hopewell Federal Credit Union outlined several different ways that college students waste what precious money they have. Oftentimes, these are due to the immense changes in their lifestyle that they must adapt to financially. Superfluous spending, such as going out to eat often, regularly visiting the […]

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PF Faves: Credit Cards Still Safer Than Debit Cards

Don at 20s Finances recently weighed in on the credit vs debit card debate.  Although security is getting better for both debit and credit cards, he says credit cards still remain a better choice. The fraud protection offered by credit cards limits an individual’s liability to only $50. Credit card […]

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Financial Awareness and Stricter Lending Guidelines Increasing FICO Scores

Financial Awareness and Stricter Lending Guidelines Increasing FICO Scores

Credit scores are improving for Americans recovering from the 2008-2012 recession. As of April of 2014, the average FICO score was 692. This is six points higher than 686 in 2009. Put in perspective, FICO credit scores range from 300 to 850, and 692 is considered high “Average.” A “Good” […]

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Facebook Farcing! The Latest Trend in Identity Theft

Facebook Farcing! The Latest Trend in Identity Theft

Have you ever gotten a Facebook friend request from someone you don’t remember meeting?  Did you accept it? The large majority of people will accept friend requests even if they are not sure they know a person, assuming that they must have met them through a mutual friend, etc. That […]

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PF Faves: Make Bagging Your Lunch a Habit

PF Faves:  Make Bagging Your Lunch a Habit

If you’re going out for lunches and want to get in the habit of packing them instead, Sarah at Prairie Eco-Thrifter offers some great tips. First, make sure to pack a lunch before heading out the door every morning. Making this a habit will help you eat healthy from home. […]

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Mobile Banking: Are The Risks Greater Than The Rewards?

The rise of technology has impacted many facets of our life, including banking. Mobile banking is quickly generating speed, epitomized by Apple’s “Apple Pay”, an easy pay feature similar to Google Wallet. Although the ease of access and lightning quick speeds associated with mobile banking catch the eye, many are […]

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PF Faves: Dumping Your Expensive Car

My $900 BMW

Derek over at Life and My Finances has been making some really good points when it comes to car ownership, largely in response to this article we recently highlighted. Many Americans are currently experiencing considerable debt related to paying off their car. What a lot of these consumers fail to […]

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