Credit Score

What happens if you overpay your credit card bill? Is it bad or beneficial?

Paying credit card balance

Most of new credit card holders think that overpaying the credit card balance may improve their credibility and credit scores, but that’s not true at all. Instead, it does nothing extra benefit to credit score. It is true that credit card payment history also counted towards the calculation of credit score, but more things are […]

When and how to use the loan refinancing (refinansiering) option?


There will come a moment in your life when you will need to get a personal loan from a bank so as to finance some types of expenses that have come your way. If you were in a rush when trying to get that loan, chances are that you might have agreed on some terms […]

Do you know your money?


Do you know your money? Have you any plan to manage your money? Below are some noteworthy questions everyone should be able to answer about their money. Does your employer match any of your retirement contributions and are you getting the full match? Many employers offer to match all or a portion of the money […]

How to improve your bad credit score?

Credit Score

People tend to either be anxious about their credit rating and obsess about it or have no clue as to what their score is. Both can be dangerous as it is important to have an idea of what your rating is, but you also need to know that there are always ways to improve it […]

Effective ways to fix your credit score

Credit Score

A credit score is simply a three-digit number. It allows banks or financial institutions or other lenders to gauge the financial strength of their borrowers. It also enables them to guess if the borrower has the ability to pay back the loan at its accrued interest within the stipulated time. For example, if you have […]

How to acquire a loan with a low credit score?

Credit Score Ranges

There are numerous reasons why you need to borrow money. For those with a high credit score, you may not have difficulty in acquiring a low-interest rate loan. However, a bad credit rating makes it quite challenging to qualify for such loans. The picture below shows the credit ratings and their interpretations. Since it can […]

How to build business credit?

Credit Card

The time has come to get a business loan. You did your homework; you probably looked into various financing options and lenders, informed yourself thoroughly about interest rates and payment terms. But, did you take into consideration your business credit? This is another significant variable that can be a deciding factor whether your application for […]

How personal finance software can help you out of debt?

Personal Finance

You can accomplish any task even personal finance with the right equipment and know-hows. Computer applications excel in simplifying the most complex tasks. Why not use one of many financing apps to help you pay off your debts? First, you have to consider what kind of debts that need your fiscal attention. Whether they’re housing, […]

How to Repair Your Credit Score?

Repair Credit Score

Any defaults on your loans, most usually student loans, car loans or mortgages should be fixed as soon as possible. The damage to your credit score due to these mistakes is huge and remains on file for up to seven years, preventing you from getting the best from your finances. This includes taking on personal […]