Identity Theft During Economic Crises: Look for Credit Report Errors

You may think an identity theft hacker may not notice you. That’s not true. The ways identity thieves pick their targets are more about accessibility. They don’t care about your financial situation. Cybercriminals look for weak spots in personal financial security and privacy they can exploit for profit.  Too often, the way we find we’ve …

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How Will Borrowing Money Affect My Credit?

Taking out a loan can help you build your credit.  But remember, to get that benefit, loans must be paid back in full and on time, and according to the terms of the loan agreement.  When these terms are not met, the lender can take steps to repossess collateral and collect any money that is …

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How to Get a Copy of Your Credit Report

Just as a yearly check-up with your doctor is good for your physical health, taking an annual look at your credit report is good for your financial well-being. Consumers are entitled to receive one  free copy of their credit report every 12 months from each of the three main consumer reporting agencies – – Equifax, …

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What notices must my lender provide after repossession?

As we’ve written before, consumers dealing with car repossession still have certain rights, regardless of how behind they might be on their payments. For example, you have the right to be kept safe from an aggressive or abusive repo agent. They can’t break into your garage, damage your property or vehicle, or threaten you with …

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What To Do If Your Identity is Stolen

Identity theft happens when someone uses your personal or financial information without your permission.  It can damage your credit status and ability to utilize credit. If you suspect someone has stolen your identity, it’s important to take action immediately. The consequences can be disastrous, but following these steps will help secure your information and prevent …

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How to Spend Responsibly on Credit Cards

It’s hard to argue with the convenience of a credit card. Credit provides you with flexibility when it comes to spending. Your card is always available to use regardless of when you expect your next paycheck. Owning a credit card and making timely payments also helps your credit because it shows lenders that you’re a …

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Credit Lessons for College Students

As a college student, this is likely the first time you’re responsible for your own finances. The way you manage your money in college can have a longstanding effect on your overall credit. Here are some important things to know about credit and what financial actions can help and hurt you. Know the difference between …

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5 Money Mistakes for Students to Avoid

College is stressful enough without having to worry about financial issues. Avoid these five common money mistakes to stay on track with your spending. 1. Not Setting a Budget There are a lot of expenses when you’re a student. Tuition and textbooks aside, you also need money for things like rent, utilities, and going out …

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Personal Finance Basics for College Students

The start of a new college semester is a busy and exciting time. As you prepare to begin new classes, it’s important to consider how you’ll manage your finances while you’re in school. Follow these tips to keep your finances in order and avoid any unnecessary additional stress. Set a Budget Whether you receive a …

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