How to Use Credit Wisely
Credit cards and loans may be powerful tools to help enhance your quality of life, but there could be too much of a good thing. The trick is to know how to use credit wisely. It’s important to think of credit as a resource, not “free money for now.” One way to manage...
Credit Score Ranges: The Differences Between FICO® and VantageScore®
If you are a young adult who has just begun to become financially independent, you may be wondering what the credit score ranges really mean. Following is a brief explanation of the numbers from two of the major credit scoring companies: FICO and VantageScore. The...
Smart Strategies for Paying Down Credit Card Balances
Having a credit card or two, along with fixed loans, can be good for your credit score – as long as you control your balances and make your payments on time. When it comes to credit cards, we know how easy it can be for your debt to spiral out of control, but smart...
5 Benefits of Obtaining a Credit Card from a Credit Union
A credit card isn’t just a credit card. Sure, they may all be the same size and generally have the same concept, but when you read the fine print, they’re all different in some way. Research has shown that credit unions specifically tend to provide users with a better...