There are pros and cons to both debit and credit cards. It’s important to understand how to use both cards so that you can have great financial health.

Authorized users, like cosigners, should be carefully considered before adding them to a credit card account. If not, it can be a costly mistake and will likely ruin your credit score.

Financial decisions like purchasing a cell phone or applying to rent an apartment or house will require you to have your credit score in good standing. A low credit score can also allow lenders to charge you a higher upfront cost or pay more money because you aren’t considered creditworthy.

Your credit score is used by lenders to determine your credit risk when it comes to borrowing money. The higher your credit score, generally speaking, the more you'll be able to borrow, and the lower your interest rate. That can save you thousands of dollars over the life of your loan. So, if you're looking to purchase a home, read on to learn how to optimize your credit score.

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.

A recent study determined that 65% of single women would like to buy a house before marrying. Typically, the people who purchase homes are married couples. This is because they have a higher combined income, making it easier for them to pay the expenses of becoming a home buyer. H

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.

Utility companies have created a budget billing program that helps budget your monthly utility bills. This budget billing program is a 12-month program that is an average amount that your utility company charges you based upon your energy usage.

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.