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Due to the recent economic slump, many employees were unexpectedly laid off from the companies they’re working for. Even those in the higher position were not exempted from the effects of recession. What to do when confronted with this situation? How can you handle your obligations to your creditors when your monthly salary has been [...]

Do you own more than one credit card?  If you do, you may find yourself struggling with your credit card bills from time to time. Did you miss your due dates of payment in the previous months? Do you find yourself submitting only the minimum amount due because you don’t enough money to pay your [...]

Whether you want to cancel your credit card because of its high interest rate or you simply just have too many credit cards, it’s important to do it correctly to avoid inflicting any damage to your credit score.  What are the rules on cancelling a credit card? Listed below is a step-by-step guide on closing [...]

Major changes in our lives can also have a huge effect on our personal finances. And because some events may not be as well as we expected, it’s important to always be prepared.  In this article, let’s talk about three major life changes that can confront all of us and what we can do to [...]

Many consumers today possess bad credit history. This can be attributed to the most recent financial crisis which left many individuals jobless and with huge credit obligations to settle. Still, many individuals today desire to regain their credibility as cardholders and credit consumers. So they look for ways by which they can rebuild their credit [...]

Simply reading your credit report is not enough.  More importantly, you should understand how every information in your credit report affects your credit status and your score.  To help you better understand your credit report, here is a credit report guide for you which focuses on the FICO method of credit scoring. Today, the three [...]

Credit cards have certainly taken a big leap from just being a plastic card payment. Gone are days when these can only be used at diners or restaurants. Today, almost every other merchant and establishment accept credit card payments. As the years passed, the features and provisions of credit cards have greatly been enhanced to [...]