Depending on when you were born, you may have viewed credit as only being used for big ticket purchases such as home loans, college tuition, or maybe to finance a car. While this is the case for many consumers, credit is also being used in other ways such as traveling, or to assist in …
real credit conversations on how young adults are managing their FICO® score Read More »
Freedom looks different to all of us and can be defined based on what you value most. When we consider our finances, what life plans must be made and executed to make sure we reach our personal level of success holistically? Here’s more insight into a few ways to create true luxury in your life. …
Did you know that 30% of your FICO Score is based on amounts owed? Amounts Owed refers to how much debt you carry in total and is an important factor of your FICO Score. FICO research has found that your level of debt is predictive of future credit performance because the amount owed typically impacts …
“did you know this about the amounts owed on debts?” Read More »
When you think about your friend group, what comes to mind? Some of them you’ve known for years and others you’ve connected with throughout different seasons in life. No matter how the connection began, it’s important to share similar core values. If maintaining and increasing your finances are at the top of mind – what …
Did you know that 10% of your FICO Score is based on how often you apply for credit accounts? It’s important to know that there are two types of credit inquiries. Soft inquiries, such as when viewing your own credit report, will not affect your FICO Score. Hard inquiries happen when you apply for a …
“did you know that this happens when applying for credit?” Read More »
Our calendars can be jam packed with birthday celebrations, weddings, brunch and just because happy hours. Text messages, phone calls and e-vites swarm our thoughts – and finances typically don’t drive our answers. How do we maintain our sanity and pockets? Set personal goals keeping your finances in mind One of the main questions you …
the art of saying no to enhance your financial status Read More »
A healthy credit score can help ensure access to lower interest rates, better loan options, and much more. Research shows that your track record of payments tends to be the strongest predictor of the likelihood that you’ll pay all debts as agreed to. As you can imagine, a lender’s number one priority is your past …
Financial hardships can and will occur to all of us regardless of socioeconomic status. Joblessness, homelessness, debt, and other occurrences can weigh on anyone, whether they’re considered to be financially secure or not. The importance here is to remember – you are not alone. Identify how money makes you feel Often when money is in …
mental health + the importance of tapping into our money emotions Read More »
When you personally evaluate what self-care means to you, what are a few things that come to mind? This could be a mini shopping spree, a massage or treating yourself by visiting a favorite restaurant. Or, it could be taking a nice bath, journaling, reading or spending some much-needed, uninterrupted alone time. While we know …