Should I Consolidate My Debt?

Many financial advisors will say that you should never consolidate your debt, that the industry exists only to keep people in debt. By taking multiple loans and paying them off with a new loan, you ... Read »

How Often Should I Check My Credit Report?

We have three major credit bureaus here in the United States: Experian, Equifax and TransUnion. Each is required to let you see your credit report once every 12 months. You can look at each one just... Read »

Is Peer-to-Peer Lending for Me?

With bank credit so tight, and returns in the market so low, many investors and borrowers have become more attracted by peer-to-peer (P2P) lending portals, like Lending Club and Prosper. For investo... Read »

Understanding Your Credit Score

Your credit score is a three-digit number that determines so much of your future, and there are three different kinds with different ranges that mean different things. Not only will your credit scor... Read »

Should I Rent or Buy?

Renting and buying each have their own merits and their own pitfalls. As a renter, you might not be building any equity, but you also don't have to deal with property taxes (though in theory, they'r... Read »

I'm In Over My Head. Who Can Help?

Do whatever you can to avoid bankruptcy. You’ll extinguish your debts, sure, but your financial health will be damaged for some time. Not only is bankruptcy a humiliating and defeating experience, i... Read »

How Do I Establish Good Credit?

Establishing good credit is easier and simpler than you've heard; you just have to be careful with the credit products you're given access to. Lenders want to give out money -- it’s how they make mo... Read »

Advice for First-Time Home Buyers

Buying a house used to be pretty easy, right? You could tell your mortgage broker basically whatever you wanted to and you were well on your way to a Jumbo ARM and a small slice of Arizona to call y... Read »

How to Determine If You Have Too Much Debt

There is no one yardstick for how much debt a person ought to have, but there are a number of ways of determining if you've taken on more than you can handle. The best method is to calculate your de... Read »

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