Your credit score may be just a number, but it can have a big impact on your life. So how do you go about finding out what your credit score is? And is it really worth the trouble? Find out how to check your credit score using paid credit subscription services or free credit monitoring services.
The right card with the right elite status benefits can reduce your annual lodging costs by a four-figure sum, more than offsetting even the priciest annual fees. The wrong card will gather dust in your desk drawer, incurring an annual fee for no good reason. Learn which card is best for you here.
I loathe the process of buying a car. Dealing with pushy, overbearing salespeople can be infuriating. As a result, I do whatever I can to avoid buying a car. I perform all recommended DIY car maintenance checks, keep my vehicle for as long as possible, and consolidate my trips both to save on gas and decrease wear and tear on my car.
Cosigning on a loan is a common way people try to help a friend or family member with poor or no credit. But before casually agreeing to cosign a loan, consider the risks. Cosigning a loan is no small favor, and you may be surprised when you learn what’s at stake for you.
There are several ways to tap into your home equity when you need extra money. A cash-out refinance can be an effective source of funding, but it’s not for everyone. Here’s what you need to know about the pros and cons of cash-out refinancing to determine if it’s right for you.
Credit inquiries can reduce your credit score, which can be a big deal if you’re on the cusp of having good credit. Depending on your situation, you may be able to get some of those inquiries removed from your report. Learn how credit inquiries work and how to remove them from your credit report.
Peer-to-peer (P2P) lending has become a hot topic in the personal finance community, offering borrowers a way to access loans from peer lenders rather than traditional banks. Learn about peer-to-peer lending, how to qualify for a P2P loan, and the pros and cons of borrowing through a P2P platform.
Your credit score is an important financial metric. Checking your credit report regularly helps you monitor and protect your score. But when a lender checks your credit, it usually reduces your score by a few points. Does the same thing happen when you check your own credit?
When you apply for a loan or credit card, the lender usually looks at a copy of your credit report to determine your eligibility. This inquiry drops your credit score by a few points. Be sure you know the impact of credit inquiries on your credit score and how long the effect lasts.
The Chase Freedom credit card is one of the most popular no-annual-fee cash-back credit cards on the market, with an incredible 5% cash back on select purchases. Get all you can out of this popular card by learning to maximize your cash-back earnings in this quarter’s bonus categories.
Buying a home comes with many decisions, among them the loan term you want. Should you choose a shorter loan term with higher minimum monthly payments or a longer loan term with smaller payments? Learn the differences between a 15-year and a 30-year mortgage, and the pros and cons of either option.
Southwest Airlines’s Companion Pass lets a guest fly with you for free. How does the program work, and how can you qualify for this lucrative benefit? Learn more about taking full advantage of the Southwest Companion Pass, especially if you own a small business or side hustle.