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Buying a house is a big decision. It requires a big commitment. And unless you’re a multimillionaire, it’s pretty easy to assume that you won’t be paying cash. That’s why people obtain mortgages to finance their purchase. However, mortgages require down payments,...

Financial wellness is not as easy to achieve as you might think as it entails having healthy spending habits, especially when using your credit cards. Using credit cards is pretty straightforward since you just need to whip it out when you want to pay for stuff and...

There are five factors that go into calculating the credit score. These five factors are your payment history, credit utilization, length of credit history, new credit, and your credit mix or the variety of credit that you use. Plenty of factors also come into those...

A secured loan is a type of loan that has an agreement between both parties (bank and borrower) wherein the borrow puts up assets as collateral for the loan. The security part refers to the bank’s security wherein they are at a lower risk for the loan, lowering the...

Loans can be a good credit-building tool when used wisely. There are many types of loans at your disposal: loans that can help you with credit-building and loans that will drive you further down the bad side of the road. There are some loan offerings that will look...

If you ever find yourself in a situation where you need to obtain a personal loan, you are not alone. Plenty of people find themselves in this situation many times. However, if you have bad credit, you may find it more difficult to acquire a personal loan. Remember...

Having good credit goes a long way – it opens the door to many wonderful benefits and perks. There are plenty of factors that factor in a credit score. People who are focused on raising their credit scores think that all factors pertaining to finances and personal...

A loan is the act of acquiring money from another party with an agreement that the sum of money borrowed is paid in full with interest. Typically, loans require fixed payments of a certain amount on a particular date over a certain period of time until the entire...

To obtain the best deals and the best interest rates for loans, one must have a high enough credit score. You won’t be able to, say, get a mortgage or a credit card without a good score. The three credit bureaus in the U.S. that track your credit score, Experian,...

A new startup from PayPal co-founder Max Levchin, named Affirm Inc., has created a new kind of credit card that does not use plastic. The new credit card created by Affirm Inc. only exists online. People are able to sign up for the new credit at the website or at...