All Articles

How to Be Debt-Free by Retirement
Robin Hartill, CFP

April 23, 2025

How to retire debt-free: Should I pay off my mortgage before I retire?

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Can You Raise Your Credit Score 100 Points Overnight?
Brittney Myers

April 23, 2025

You can't raise your credit score 100 points overnight; however, there are several steps you can take to improve...

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What Is The Difference Between a Credit Report and a Credit Score
Miranda Marquit

April 22, 2025

Your credit report and credit score are different, but closely related. Learn how one affects the other.

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Should I file for bankruptcy?
Dana George

April 22, 2025

Debt is common nationwide, and millions of Americans seek the best way out. Learn how bankruptcy may help.

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How to build credit in 3 steps
Gina Freeman (Pogol)

April 22, 2025

Building (or rebuilding) credit is easier than you think. Follow our guide, build a great credit score, and pay less for everything you finance.

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What is the Fair Debt Collection Practices Act - FDCPA?
Rebecca Lake

April 22, 2025

Get an angry call from a debt collector? Learn how to use the Fair Debt Collection Practices Act to stop the harassment.

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7 Tips to Help You Pay Off Credit Card Debt
Karen Cordaway

April 22, 2025

Credit card debt can be overwhelming. Learn to crush it with these tips.

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Emergency Loans - Are They Available?
Richard Barrington

April 22, 2025

Find an emergency loan that can get you through a crisis and get you back on track to get your finances in order. Emergency loans can be available quickly and easily...

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Debt Consolidation Programs: Debt Consolidation Loans and More
Gideon Sandford

April 22, 2025

There are many types of debt consolidation programs that can help improve your financial health, including balance transfer cards and debt settlement plans.

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What Happens to Credit Card Debt When You Die?
Gideon Sandford

April 22, 2025

Worrying about your estate and planning for the future is important.

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How to Read Your Credit Card Statement
Peter Warden

April 22, 2025

Reading your credit card statements can help you manage your money. Your statement will tell you when your interest rate or terms will change. Key details include...

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How Does Consumer Credit Counseling Work?
Rebecca Lake

April 22, 2025

When you need help with budgeting and debt, you may turn to consumer credit counseling. Credit counselors look at your financial situation and propose solutions...

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Why Did My Credit Score Drop?
Richard Barrington

April 22, 2025

Did you check your credit and ask, “Why Did My Credit Score Drop”? Learn 10 reasons why your credit score can suddenly drop and…

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What Is Debt Resolution?
Rebecca Lake

April 22, 2025

When debt becomes overwhelming, there are different approaches you can take to manage it. Debt resolution is one option you might consider to avoid bankruptcy.

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Credit Card Debt Help: What You Need to Know
Erik J. Martin

April 22, 2025

Credit card debt help won’t work unless you stop overspending. Debt consolidation, debt management, and debt settlement are all solutions for credit card debt.

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How Do Debt Management Plans Work?
Mallika Mitra

April 22, 2025

Struggling with credit card debt? A debt management plan could help you simplify payments, reduce interest, and ...

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How to Build an Emergency Fund While You’re Paying Down Debt
Mallika Mitra

April 22, 2025

You don’t have to choose between saving and paying off debt — here’s how to do both, one smart step at a time.

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Hard Inquiry vs. Soft Inquiry: What's the Difference?
Rebecca Lake

April 21, 2025

Hard and soft inquiries happen when someone checks your credit. Learn the differences to help keep your credit record in good shape.

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Why High Housing Costs Might Force the Fed to Keep Raising Rates
Charles Morgan Evans

April 21, 2025

The Federal Reserve might prefer to stop raising interest rates as the economy slows. High housing costs may make that impossible.

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Land Loans: Learn the Basics Before You Buy Land
Richard Barrington

April 21, 2025

Land loans are mortgages used to buy property with no existing structures. Land loans are also called lot loans. You might use this type of loan to purchase land. to...

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Recession Preparation: How Can You Protect Yourself?
Gina Freeman (Pogol)

April 21, 2025

Yes; the US entered a recession in 2022. Learn how to protect your finances, what to do and not do in a recession.

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Subsidized vs Unsubsidized Loans
Richard Barrington

April 21, 2025

Subsidized student loans and unsubsidized student loans are treated differently. Subsidized loans have lower interest rates and are based on financial need.

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How to Save on Furniture in 2022
Gina Freeman (Pogol)

April 21, 2025

Furniture prices and interest rates are up in 2022. learn how to save when you buy and finance furniture.

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FICO Score vs. Credit Score – What Is the Difference?
Rebecca Lake

April 21, 2025

Is your FICO score the same as your credit score? What other credit scores are there? Learn about FICO score, VantageScore and other credit scores.

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Spring Survey: Consumers Plan to Buy Cars Despite Costs
Gina Freeman (Pogol)

April 21, 2025

Spring survey results from Freedom Debt Relief shows consumers plan big ticket purchases in the next 12 months.

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What Is a Good Credit Score
Richard Barrington

April 21, 2025

What is a good credit score? Generally speaking, a high 600s or above score is considered a good credit score, but it depends on the lender and industry.

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