What’s the Appeal of a Secured Credit Card
Secured credit cards are valuable financial tools, especially for individuals looking to start building or rebuilding their credit. Unlike traditional credit cards, secured cards require a cash deposit as collateral…
Why Are Car Insurance Prices Going Up So Much?
In the past couple of years, almost everyone has noticed a significant increase in their car insurance premiums, regardless if you’re a great driver or extremely accident-prone. This upward trend…
Why Have Property Taxes Risen So Much Recently?
Property taxes are one of the largest sources of revenue for local governments. It’s annoying to get your tax bill every year and see it creeping up (rarely does it…
Should You Trade in Your Car or Sell it Private Party
Deciding between selling a car through a private party or trading it in to a dealership can be looked at in a couple of different ways: Private Party Could get…
How to Delete a Collection Account from Your Credit Report
A collection account on your credit report can significantly lower your credit score and make it difficult to obtain new credit. Fortunately, there are a few things you can do…
What to Do If a Debt Collector Is Harassing You: Leveraging the Fair Debt Collection Practices Act
Debt collectors run the spectrum of those who typically follow the law to a T, to those who don’t care about the law at all and want to force/trick you…
How to Submit a Complaint to the Consumer Financial Protection Bureau (CFPB)
The Consumer Financial Protection Bureau (CFPB) is a federal agency dedicated to ensuring that consumers are treated fairly by banks, lenders, and other financial institutions. If you encounter issues with…
Credit Card Delinquencies are at their Highest in Over 12 Years
Delinquent credit card accounts, those which are at least 90 days behind, have traditionally seen the highest rates of serious past due accounts in the last 20 years. The rate…
What is the Fair Credit Reporting Act (FCRA) and How Does it Affect Your Credit?
The Fair Credit Reporting Act (FCRA), enacted in 1970, is a critical piece of legislation designed to protect consumers’ rights in the United States. This federal law regulates the collection,…