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Many choose credit unions because they generally offer certain advantages over banks. You might get a better interest rate on a loan, a higher credit limit, fewer fees, or more personalized attention. But credit unions also commonly practice cross-collateralization—a term most have never heard of and rarely pay attention to when scanning the fine print…….
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This is the second article in a blog series on emergency savings and financial security. Check out the first blog article, “Study Finds That Most Americans Can’t Cover Unexpected Emergency Expenses.” Far too many Americans only think about their short-term economic interests and don’t give enough thought to their long-term financial security. Just because a……
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Having a low credit score tags you as a high-risk borrower and can impact so many facets of your life. Just how can it affect you? It is the determining factor in whether or not a lender will actually lend you money, and it raises the interest rate you have to pay if they do…….
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In 2005, the United States enacted the Bankruptcy Reform Act. Under the new guidelines, the courts are able to make a determination about whether or not you would be able to afford payments under a reorganization of your debt – in accordance with a Chapter 13 filing. One of the largest differences between Chapter 7……
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It’s not always easy to keep up with bills. One thing to keep in mind is that staying current with bills is something that many people have to deal with. It’s not your fault if circumstances have put you in a position where you have to make choices between paying one bill and not paying……
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