Debt is like a crushing weight on anybody experiencing it. That's why debt consolidation loans are so appealing. But debt consolidation loans are always the best option. It is important to weigh the impact of getting a new debt consolidation loan.

Purchasing a home is a big financial step. One of the most common words you will hear throughout your house buying process is pre-qualification and pre-approval. It's essential to know what these two terms mean when buying a home.

Debt can crush not only your score, but also your spirit as you are on your personal finance journey. Understanding how to better handle that debt that is in collections will give you confidence to needed to battle debt as as whole.

Cash is king but so is credit. Having good credit will take you a long way in life. It is important to get and keep a good credit score. Save the cash, leverage your credit.

Federal law mandates that a person is entitled to receive a free credit report from each of the three national reporting agencies, Equifax, Experian, and TransUnion, every 12 months. However, due to the COVID-19 pandemic, you can now get reports per week.

When applying for a loan to make large financial purchases, such as a home or a car, one of the things the lender takes a look at is your credit score. Your credit score is important because it is part of the decision to either approve or deny your loan.

A credit score is very important to one's financial health and future. Based on FICO, credit scores are calculated based on five categories: payment history, credit utilization, the average age of your accounts, types of credit, and new credit.

Planning for your newborn’s arrival can be demanding and worrisome, especially if this is your first go-’round. However, you can cut down your baby expenses by planning a baby shower to maximize your gifts.