Medical bills can be daunting. Around 67% of bankruptcies in the nation in 2019 were tied to medical issues and expenses. According to US Census data, almost one in five American households is dealing with medical debt, and the rate is higher for certain ages, income levels, and other demographics. One issue is that medical... Read More

When your children are young, it can be impossible to imagine entrusting them with a credit card. Yet eventually, they’ll reach the age where they will need to make their own purchases without you. It could be a movie ticket, lunch with friends, or a few items on your grocery list, but the time will... Read More

Buying and selling real estate for commercial purposes can be an expensive endeavor. Many real estate investors typically have to start out using their own funds or personal credit to cover the cost of their new properties, even when they’re for generating income. This strategy works well for those who have the personal capital to... Read More

Congratulations! You’re officially an adult. Turning 18 opens a world of possibilities and freedom, but it also comes with additional responsibilities. One important responsibility to start thinking about is building your credit profile. Credit can be a critical resource. A good credit score helps you get approved for loans and credit cards. It also helps... Read More

Authorized users are secondary account holders on another’s credit account. It usually benefits those that have little credit history and are looking to build it.  Being an authorized user means the account is yours to use, but you won’t be listed as the primary account holder. And therefore, you’re not responsible for bill payments. However,... Read More

It’s been a difficult time for everyone. But coming into the new year, many have found the past twelve months have landed them with lower credit scores than ever before. This can damage not only your financial reputation, but also your prospects. So, what’s the effect of a high or low credit score, and how... Read More