How to Turn Homeownership into Wealth

When you take the leap to become a homeowner, you unlock doors to untapped wealth your family can use to build a legacy for years to come.  You see, according to Habitat for Humanity, home appreciation helps homeowners build wealth … Read More

Top 4 Mistakes People Make When Buying a Home

When you start your journey toward homeownership, it’s all too easy to make decisions based on fear, excitement and miseducation. It’s important to know what to expect so you can avoid making mistakes that can cost you time and money … Read More

Top Benefits of Homeownership

One thing is certain in life, you will always need a place to seek refuge and lay your head at night. Deciding if you will own or rent that place, is a decision you must approach with thought and strategy … Read More

How A Single Mom of Two Went From 545 Credit Score to Buying Her First Home in Less than a Year

Look, there is nothing fun about having bad credit. But according to badcredit.org, close to 20% of Americans have a subprime credit score ranging from 580 to 669.  While this group may be able to qualify for better offers than … Read More

From Bankruptcy to American Express Gold!

Navigating life after bankruptcy can leave you feeling afraid and unsure of how to tackle the next chapter of your credit journey. In fact, most bankruptcies are filed by consumers due to financial hardship, so these feelings of uncertainty are … Read More

What are the 5 C’s of Lending?

As you navigate your way through building business credit, you may be wondering what criteria a lender will consider when they examine your credit application. Real talk, this is an excellent question and shows you are serious about presenting your … Read More

Navient Cancels $1.7 Billion in Private Student Loan Debt

Navient, one of the largest student loan servicers, has reached a settlement with 39 states, in which it will cancel $1.7 billion in private student loan debt. The settlement will mark an end to six separate lawsuits filed against the … Read More

How to get approved for a business loan

When it comes to applying for credit in your business’ name, it’s important to know what to expect before starting the application process. A business loan is an excellent way to secure the funding you need to get started or … Read More

Reach Your New Year’s Resolutions Faster with These Credit Tips

“New year, new me” is a popular phrase often heard as we say goodbye to 2021 and set our sights on what we want to accomplish in the year ahead. For many people, that means making New Year’s resolutions to … Read More

6 Credit Card Benefits Worth Knowing

Lately, credit card companies have been doing a better job of being transparent as it relates to the health of our credit and I’m happy to see this. Although credit cards get a bad rep due to how fast debt … Read More

Protect Your Credit from the Credit Grinch

The Grinch may have stolen your Christmas joy in the past, but this year will be different. Because now you’re on a path to financial freedom. Often after the holidays, we realize we spent too much money and now must … Read More

Should I Use a Cash Advance for Christmas Cash?

As you get full swing into your Christmas shopping, you might be considering a cash advance from your credit card to give yourself cushion to cover the cost of all those gifts. But what is a cash advance? A cash … Read More

Top 5 Ways to Save Money This Holiday Season

Decking the halls, gift giving and stuffing our bellies is standard practice for the holiday season. But when you are the person funding all the festivities, it’s important to keep a close eye on the final bill while still enjoying … Read More

Best No-Fee Credit Card Recommendations for This Holiday Season

Holiday shopping is upon us, and the earlier you shop, the more likely you are to cash in on some massive deals. But before you start crossing gifts off your list, it’s a good idea to consider a no-fee rewards … Read More

Should You Get a Holiday Loan?

As the gift giving season approaches, you might be feeling a bit rushed to fulfill your shopping lists. While our hearts are filled with joy, it’s important to be careful with our finances so the holidays don’t turn into a … Read More

How to Get the Most from Your Credit This Holiday Season

The holiday season is upon us again, which means it’s time for gift-giving and spending money. Listen, I know you want to make your family and friends happy by giving them all the things their hearts desire, but this year … Read More

Three Ways to Prevent Post-Holiday Shopping Debt

’Tis the season for debt! Are you planning to take out loans to pay for holiday gifts and Black Friday deals this year? Well, you’re not alone. Studies show Americans rack up an average of $1,000 of debt during the … Read More

What is a Paydex Score?

Establishing credit is an essential part of growing your business. When you begin to manage your business’s finances, and especially when you consider applying for a business loan, you’ll likely come across something called the Dun & Bradstreet Paydex score. … Read More

Pros and Cons of Refinancing

When you’re looking at lowering your cost on a house or car, you’re bound to wonder about the pros and cons of refinancing. Refinancing allows you to finance your purchase again while usually securing a lower interest rate. But refinancing … Read More