Credit Tips and Trends with Experian’s Rod Griffin

Credit 101

Credit Tips and Trends with Experian’s Rod Griffin

Credit Tips and Trends with Experian’s Rod Griffin

Credit.com recently had the opportunity to sit down with Experian Director of Consumer Education and Awareness Rod Griffin. Rod helps Experian help consumers better understand and manage their personal finances and protect themselves from fraud and identity theft. In April 2016, The Institute for Financial Literacy named Rod its “Educator of the Year.” Our goal... Read More

The Lenders Giving Borrowers Second Chance Loans

Mortgages

The Lenders Giving Borrowers Second Chance Loans

The Lenders Giving Borrowers Second Chance Loans

Brenda Woods didn’t want to move and leave the garden she had tended for 40 years. But the roof was falling in. And her bank wouldn’t give her and her husband Larry a loan to buy a replacement home. Brenda’s still tending her garden, though, thanks to a second-chance loan from the New Hampshire Community... Read More

What are Micro Loans?

Personal Loans

What are Micro Loans?

What are Micro Loans?

A micro loan is a small, short-term loan that you can use to meet financial needs for your busienss. If you’re self-employed, you may need cash quickly, but not enough to justify taking out a big loan. Maybe you need the money to pay your workers or to pay for a marketing campaign you think... Read More

What Is a Soft Credit Check?

Credit 101

What Is a Soft Credit Check?

What Is a Soft Credit Check?

A soft credit check is when someone looks at your credit, either for informational or promotional purposes. Your credit score has a great deal of impact on your life. That’s why it’s a good idea to stay on top of your credit. This means you should take full advantage of the fact that the three major credit bureaus-Experian, TransUnion... Read More

A 15-Year Mortgage Can Save You $154K—But Can You Get One?

Mortgages

A 15-Year Mortgage Can Save You $154K—But Can You Get One?

A 15-Year Mortgage Can Save You $154K—But Can You Get One?

Is a 15-year fixed mortgage worth it? The answer, absolutely. A shorter term mortgage—15 years versus 30 years—is one of the best ways to reduce mortgage debt and can save you thousands of dollars in interest payments. For instance, consider the staggering difference between a 30-year mortgage and 15-year mortgage, both for $400,000. At 4%... Read More

Can I Get a Home Loan with Bad Credit?

Mortgages

Can I Get a Home Loan with Bad Credit?

Can I Get a Home Loan with Bad Credit?

While a 20% down payment and a great credit history make buying a home easiest, there are ways to get approved for a home loan without them those golden assets. Programs, such as Federal Housing Administration or FHA loans, Veteran’s Administration or VA loans and United States Department of Agriculture or USDA loans can help those without... Read More

Buying Bitcoin with Your Credit Card

Credit Cards

Buying Bitcoin with Your Credit Card

Buying Bitcoin with Your Credit Card

If you’ve been paying close attention to digital currency, then you’ve probably heard about how high the value of Bitcoin was. In 2018, the value of a single Bitcoin reached almost $20,000. That value has since gone down, but it still hovers around the $3,000 mark making Bitcoin one of the most valuable cryptocurrencies in... Read More

Understanding How Solar Tax Credits Work

Taxes

Understanding How Solar Tax Credits Work

Understanding How Solar Tax Credits Work

The U.S has been grappling with the idea of making renewable energy the primary source of power for homes and industries. Solar energy is by far one of the most popular in the market today. As an incentive to ensure that as many homeowners as possible adopt the use of solar energy, the federal government... Read More

Understanding What to Do with Unfiled Tax Returns

Taxes

Understanding What to Do with Unfiled Tax Returns

Understanding What to Do with Unfiled Tax Returns

The IRS has taken down Al Capone, Wesley Snipes, Martha Stewart and other big names in the past for tax fraud. The federal government takes taxes very seriously. Not filing your tax returns is a serious offense. Although there won’t be a nationwide manhunt for late returns, you may still see some hefty fines and... Read More

What Exactly Is Mortgage APR?

Mortgages

What Exactly Is Mortgage APR?

What Exactly Is Mortgage APR?

Mortgage interest rate and mortgage APR (annual percentage rate) while related, are not the same. You’ll see both listed for mortgages. For example, you may see a 30-year fixed-rate mortgage with an interest rate of 4.250% and an APR of 4.385%. The interest rate is the interest you pay on your home loan. The APR... Read More

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