Credit card debt

Debt-to-Income Ratio: The Other Financial Health Metric

The DTI is the percentage of our income that goes toward paying our monthly debts. These ratios can often be overlooked as many people assume that a good credit score and income are the only two elements taken into consideration when seeking to purchase a home, car, or even to open a credit card. However, for many lenders, a good report and credit score are not enough to be considered a suitable candidate. 

Posted on February 2, 2021

Choosing Your Free Credit Report

It is always a good time to check your credit report, but which free source should you choose? Here is a list and some things to look for before you provide your personal information.

Posted on May 11, 2020

Mortgage, Credit, Debts and COVID-19 - Protect Your Finances

Many creditors are offering ways to avoid making payments during the COVID-19 pandemic, but is that the best for your finances? There are options for staying on top of bills during this time and avoid jeopardizing your future.

Posted on April 15, 2020

Five Financial Steps to Take Right Now to Protect Your Money

This blog provides five key steps to take when dealing with a financial crisis.

Posted on March 25, 2020

Get Out of Debt on Your Own Terms

With the new changes to the FICO credit score, reducing the amount of debt owed will be crucial to a credit score. Here are just a few options for eliminating debt and improving credit scores.

Posted on March 10, 2020

Keeping Up with the New FICO Score

A quick look at the new FICO score along with the other credit scores such as Vantage, that are available to consumers.

Posted on March 10, 2020

Guide to Credit Counseling Services

Credit counseling organizations can advise you on your money and debts, help you with a budget, offer money management workshops and much more.

Posted on February 18, 2020

An Extra $25 a Month Can Save You $2,000 and 18 years on Credit Card Debt

Sometimes people assume you need to make huge extra payments in order to pay off debt quicker. The reality is that making small increases in payments, can go a long way in knocking out debt sooner!

Posted on January 20, 2020

Getting Out of Debt Success - John

A quick glimpse into one client's journey out of debt.

Posted on May 7, 2019

Why You Should Make More Than the Minimum Payment on Your Credit Card

It’s easy to get caught in the trap of making the minimum payment on your credit card. Usually, this payment is manageable, and it staves off late charges for at least another month. However, minimum payments don’t prevent interest from compiling on the balance you’re carrying.

Posted on September 5, 2018