I’m 27 & I’ve Never Had a Credit Card. Should I Get One?

Credit Cards

I’m 27 & I’ve Never Had a Credit Card. Should I Get One?

I’m 27 & I’ve Never Had a Credit Card. Should I Get One?

Considering all the debt disasters young people witnessed and read about during the financial crisis, it’s unsurprising that credit cards aren’t a popular financial product among today’s 20- and 30-somethings. Several surveys of millennials have found that consumers that age are often debt-averse and favor other forms of payments over credit cards. As someone who... Read More

How to Start Building Credit Once You Turn 18

Credit Score

How to Start Building Credit Once You Turn 18

How to Start Building Credit Once You Turn 18

Having good credit is imperative to unlocking many financial opportunities in life, including lower interest rates on car loans, credit cards and mortgages. The key to getting that high credit score is to start building credit at a young age. That’s why adults as young as 18 might want to consider getting a credit card... Read More

How I’m Rebuilding My Credit After Bankruptcy

Credit Score

How I’m Rebuilding My Credit After Bankruptcy

How I’m Rebuilding My Credit After Bankruptcy

Tracy M. (he asked we not share his full name) is rebuilding his credit for the second time. It’s a long haul but despite numerous obstacles — including six-figure student loan debt that has tripled due to fees and interest — he’s not giving up. His experience with credit started in college when a furniture store offered his a... Read More

Can a Credit Card Improve Your Credit?

Credit Score

Can a Credit Card Improve Your Credit?

Can a Credit Card Improve Your Credit?

Many consumers see credit cards as a gateway to debt. While they certainly give you the opportunity to spend money you don’t have, when used responsibly, their powers can be harnessed for good, not evil. When you closely track your spending and pay your bills on time, your credit card can be a huge financial... Read More

7 Reasons to Love Credit Cards

Credit Cards

7 Reasons to Love Credit Cards

7 Reasons to Love Credit Cards

Not everyone loves credit cards — plenty of people really, really hate them, in fact. But credit cards can also be a great tool to have tucked away in your wallet. Credit cards serve a valuable purpose for many consumers and, when used responsibly, can do a whole lot more — earning you some money, giving you... Read More

3 Smart Habits That Can Help Build Your Credit

Credit Score

3 Smart Habits That Can Help Build Your Credit

3 Smart Habits That Can Help Build Your Credit

When it comes to credit scores, a true quick fix is all too rare. While that might be disconcerting to hear, it doesn’t mean all hope is lost. Improving your score basically boils down to two things: following good credit practices and time. While you don’t have any control over time, you can control the... Read More

Money 101: How to Get Your Credit Ready for College

Credit 101

Money 101: How to Get Your Credit Ready for College

Money 101: How to Get Your Credit Ready for College

For many students, the beginning of your college career is also the beginning of your transition to adulthood. You will likely have more freedom — and responsibility — than you have ever had before. One of the most important aspects to being an adult is planning ahead and living with intention, especially when it comes... Read More

How Your Budget Can Help You Build Credit

Credit Score

How Your Budget Can Help You Build Credit

How Your Budget Can Help You Build Credit

The building blocks of a healthy financial life are all tied to your budget — how much money is coming in, going out and where is it being used? Answering those questions and creating a budget that works for you can have a ripple effect on the rest of your finances. Specifically, a good budget... Read More

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