Debt Relief Programs: Helpful or Hurtful?

Debt relief, in theory, is exactly what it sounds like—a way to help lessen the burden of debt. There are a few different ways that this is done. Generally, working through a program can help you pay off your debt faster and more effectively. While you have debt, certain programs…

Can debt consolidation help you?

Debt consolidation is a process that works well for many people who are struggling with debt payments. While it’s not unusual to have some debt, there are certain cases in which people have more payments than they can handle. Whether you struggle to pay your bills or just want to…

What to Know About Obtaining a Line of Credit

A line of credit is a loan that is given by a bank or credit union. A general line can be used for any purpose, whereas other types must be used in a specific way. Borrowers must qualify for the loan and make timely payments throughout the life of it.…

Best Credit Cards

Finding the best credit cards can certainly seem like sifting through a haystack for a needle. While it is quite common to hear the negative repercussions of credit card usage, using these cards in a positive way is seldom discussed.  When used responsibly, credit cards can get you perks and…

How To Get Your Government Benefits Faster

Direct deposit is the process of having funds immediately added to your bank account following a paycheck or a receipt of benefits. Usually, a direct deposit form is required to begin the process, as it asks for your banking information (i.e., your routing and account numbers). While this process is…

Your Credit Score and Credit Report

A free credit report lets you know how well you are doing at paying your bills, repaying your loans and managing your credit. According to the Federal Trade Commission (FTC), you may request one free annual credit report from the three national companies. Because it is important to know your…