How To Get Pre-Approved For a House

How To Get Pre-Approved For a House

The mortgage process can be full of highs and lows, but nothing can make you feel worse than finding the perfect home only to be denied for a mortgage. That ultimate low can be avoided by being pre-approved. Pre-approval will help you shop for a home by defining how much […]

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10 Important Debt Collection Rights That Protect You

10 Important Debt Collection Rights That Protect You

Debt fraud and excessive collection tactics are on the rise again. The latest scam involves calling a person’s parents, thus relying on the social stigma of not paying a debt. Frequently these calls are made about debts that are not even owed. Because these types of scams and tactics can […]

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4+ Legitimate Ways To Manage Your Student Loans

4+ Legitimate Ways To Manage Your Student Loans

Americans owe an eye-popping $1 trillion in student loans. Many are struggling to make the monthly payments, quite a few others are already in default. This has led a number of people to turn to debt relief companies in order to manage their student loans. Unfortunately, most of these companies […]

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How Does Everyone Afford New Cars?

How Does Everyone Afford New Cars?

Did you know that more than 15 million new cars are sold in the US each year? Considering that the country has a population of just under 314 million people, that means nearly 5% of the American population buys a new car each year! With the average retail of a […]

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What Does “Pay for Delete” Mean?

What Does “Pay for Delete” Mean?

What does pay for delete mean? That is a great question. Simply answered, pay for delete means you offer a debt collector immediate payment on the condition that they have the account deleted from your credit report. Pay for delete is touted across the internet as a way to clear […]

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What You Should Know About a 529 College Savings Plan

What You Should Know About a 529 College Savings Plan

For most American families, saving for college is a necessity, but a huge strain. Some try putting X amount of dollars into a standard savings account, other use different tactics, but few are using a 529 plan. If you are asking yourself what a 529 plan is, you are not […]

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Debt Snowflaking 101

Debt Snowflaking 101

From time to time a new term is introduced to the personal finance arena and, if it makes any kind of sense, we like to present it to our readers. That brings us to debt snowflaking. Debt snowflaking is a different way to approach paying off your debts in small […]

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Will Future Credit Cards Protect Your Data Better?

Will Future Credit Cards Protect Your Data Better?

There have been a few highly publicized data breeches recently. The breech at Target alone has cost banks an estimate $240 million. For every improvement in security, there is at least one hack invented, so is it possible that the credit cards of the future will be any safer than […]

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How Your Credit Score Affects a Car Loan

How Your Credit Score Affects a Car Loan

Just before I sat down to write this post today, I was shopping online for a different car. Nothing new, but a three year old car would be nice. I have driven my 22 year old Caddy to the brink of exhaustion, so its time. I only paid $600 for […]

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Improvements To The Mortgage Closing Process On The Horizon

Improvements To The Mortgage Closing Process On The Horizon

The Consumer Financial Protection Bureau (CFPB) is a relatively new agency and has been taking fire from all directions since its inception. Despite having to duck and run, the CFPB has steadily worked to improve the financial sector for consumers. The latest focus of the agency is the mortgage process, […]

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