Quick tips that can help you manage your credit effectively so you have the credit you need when looking for employment, purchasing a home or simply want to make sure you qualify for the best rates for any loan.

Every year between October and December, retail sales on home decorations, food and gifts increase and so does the amount people owe on their credit cards. This year, keep your money in your pocket by going on a spending diet.

Q: We just can’t get ahead of our credit card debt, our credit scores aren’t quite good enough for a loan. Is there a way to get a consolidation loan with a credit score of 630?
A: There are a variety of factors that lenders may look at when determining credit worthiness for a loan, one [...]

Q: Regarding our credit card debt. We want to get our debt in order, and I told my husband I’d start looking at alternatives to help bring some sense/sensibilities to our situation. We’d like someone to guide our “two person team” to help us make that happen.
Our challenge: We live in a rural area [...]