Are you paying the same amount in insurance on your car now that you were paying a year or two ago? If so, you may be paying too much. One of the biggest factors that affects your car insurance rate is the age of your car. Since a car value depreciates, the amount of insurance…
Finding travel insurance for an upcoming trip can be overwhelming since there are frankly so many options available. With that in mind, here are a few places where you can find travel insurance that’s trustworthy. Airline companies: You can purchase insurance as an add-on to travel through airline and travel sites. Credit cards: If you…
Although an initial car insurance rate may seem unfair or higher than expected, there are absolutely ways to go about getting it lowered. Here are a few tips to do exactly that. 1. Pick a highly rated car insurance company. 2. Set the correct deductible. 3. Look over all the details of your coverage. Then…
While many people may be opting to freeze their credit, it can actually be somewhat confusing to do so. TransUnion, Equifax, and Experian make their sites complicated, and oftentimes people end up frustrated by the process before even finding the page they need. We’re here to help! If you’d like to freeze your credit, below…
Reaching out to a debt consolidation company can be just what your credit score needs for a quick fix. Not only is a way to pay off any outstanding debts, but with a loan to a debt consolidation company, you’ll also get a bump for credit card utilization. It also provides the opportunity to put…
Although college students appear to understand how to use their credit cards and benefit from them, it seems they aren’t quite so educated about credit scores. A recent survey from Equifax showed that students approach their credit scores with caution, but they would absolutely benefit from a deeper education on the matter. The survey polled…
Many think that once they’re retired, they’re able to relax on all fronts, including in regards to their credit scores. However, that is absolutely not the case. Many retired individuals are still indebted, increasing from 30 percent to 46 percent from 1998 to 2010. Additionally, many people over 50 have medical expenses paid through their…
There are two different ways of checking your credit score: a soft check, which is an estimate and doesn’t lower your score, and a hard check, which can hurt your credit score if you do too many in a year (often these are done through landlords or employers). Here are some tools to utilize where…
Although it may seem second nature to cancel any credit cards that you’re not using, you might want to hold off on grabbing those scissors too soon before evaluating if it might actually hurt your credit score. One thing that your credit score looks at is the age of your credit history and the variety…
A store credit card can be a huge asset during the holidays, especially if you find yourself frequenting the same shops over and over. Here are a few store card benefits you’ll want to ensure that you optimize. Taking advantage of sign-up bonuses. There are often ongoing perks like events and promotions. You get additional…