• What Happens to My Credit When I Miss A Payment? [Infographic]

    Posted 4 January 2017 12:00 AM by J.D. Byrider

    So you've missed a payment. You're not alone. But - it can have a big impact on your credit score. Here's what happens to your credit score when you miss a payment, and how you can recover.

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  • how to establish credit

    How to Establish Credit

    Posted 26 October 2016 12:00 AM by J.D. Byrider

    You’ve heard the phrase “It takes money to make money.” Well, that’s pretty much the rule with credit, too. If you want to get a loan, most lenders will turn you away if you don’t have a solid credit history. But how can you have a credit history if no one will give you a loan? It’s a frustrating situation, but there are some ways to build your credit. About Credit Scores A credit score is a number that lenders look at to decide whether a person is a good cre...

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  • Chip Card

    Will Your New Chip Card Protect You from Fraud?

    Posted 11 October 2016 12:00 AM by John Ulzheimer

    Unless you have been living under a rock for the past several months you are probably familiar with the new “chip” cards being distributed by many banks, credit unions, and credit card issuers. If your old cards have already been updated you may have even done an uncomfortable little dance at the cash register a few times, wondering whether you need to swipe or insert your new little piece of plastic into the credit card terminal to complete your transaction. However, what you may not realize is how these new cards work, what purpose they serve, and who this new technology actually protects.

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  • Budgeting helps you save

    How to Budget for a Down Payment

    Posted 10 March 2016 12:00 AM by J.D. Byrider

    When you need a car, chances are good you need a car now. Without a reliable vehicle, your life stops because you can’t get to work or run errands. That’s why it’s important to start budgeting for a down payment before your car stops running.


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  • Good credit makes car buying easier

    What Can I Do With Good Credit?

    Posted 3 March 2016 12:00 AM by J.D. Byrider

    Building a positive credit history and credit score helps you get what you want out of life, including buying a home, renting a nicer apartment, switching to a better cell phone plan or even getting a better job. The hard work you put into building a better credit score and a healthier credit report will definitely pay off in multiple ways.


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  • Tips for using a debt reduction strategy

    Tips for Using a Debt Reduction Strategy

    Posted 14 January 2016 12:00 AM by J.D. Byrider

    This week, we’ve been talking a lot about different kinds of debt reduction strategies. However, none of them will work if you don’t stick to them. Here are some of our best tips for staying on track with your resolution to have a healthier financial future.


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  • Personal budget plans can work for you in 2016

    What are Some Alternative Debt Reduction Methods?

    Posted 13 January 2016 12:00 AM by J.D. Byrider

    The snowball method—a way of paying down debt by paying more toward the smallest debt and then “snowballing” that money towards your next largest debt—has a lot of fans and critics. Both have come up with their own methods of paying off debt. It’s good to remember that even if a system seems to work for everyone else, you can still tweak it to fit your own needs.


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  • Snowball debt reduction

    What is the Snowball Debt Reduction Method, and Can it Work for You?

    Posted 11 January 2016 12:00 AM by J.D. Byrider

    The snowball method comes from noted financial guru Dave Ramsey. Ramsey says he believes people’s greatest barrier to forming healthy financial habits is their lack of motivation. It’s not that he believes people simply don’t care to be out of debt, but rather that it’s a difficult process that requires a significant lifestyle change, and that can be hard to maintain. The snowball method is designed to give users small wins quickly that can keep them motivated to get their larger bills paid off.


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  • Start a savings account in 2016

    Start Saving in 2016

    Posted 29 December 2015 12:00 AM by J.D. Byrider

    A new year doesn’t mean a new start if you’re plagued by recurring bills and debts from 2015. When you’re constantly trying to pay down on bills, it can be hard to justify starting a savings account. However, that savings account could turn into big savings if you end up needing to dip into it later on. Savings accounts keep you from having to put every little unexpected expense onto your credit card, where it may cost you big depending on your interest rate. If you find yourself constantly having to pull out your credit card because something didn’t fit into that week’s budget, you may benefit from a savings account.


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  • Budget for the New Year

    Great Financial Resolutions for 2016

    Posted 28 December 2015 12:00 AM by J.D. Byrider

    The new year is the perfect time to create some goals for the upcoming year. Actionable goals can help you get your financial situation back on track, or it can help you save for something like a great car. If you find yourself struggling to come up with a reasonable goal, read on for our own 4 financial goals for 2016.


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