Using a credit card to pay your bills is easy and can help you earn rewards. But you need to be careful, because some bill payments may be seen by card issuers as cash advances. Most cash advances have high fees and interest rates, so you should try to avoid them if you can. Here, … Read more
It’s likely that most people don’t want to get their credit score to zero. However, some people may wonder if they can get rid of all of their credit history and start over brand new. It’s not possible to have a credit score of zero, that’s the short answer. This is why, and here are … Read more
Are Visa Gift Cards Traceable? Everything You Need to Know Have you ever wondered if that Visa gift card you received or purchased can be traced back to you? With gift cards being a popular gift choice and payment method, it’s an important question many consumers have. In this comprehensive guide, we’ll dive into all … Read more
To keep your credit score high, you need to make your mortgage payment on time every month. However, things come up, and sometimes you may need to pay your mortgage a few days after the due date. Most mortgage lenders give you a grace period if you are late with your payment, which is good … Read more
It’s likely that buying a house will be one of the most expensive things you ever do. There are also good reasons to have doubts about the process, especially when it comes to the money involved. “Do I need money in my bank account to buy a house?” is a question that many first-time homebuyers … Read more
Can I Buy a House If I Owe the IRS? Buying a house is an exciting milestone in life. However, it can be complicated if you have outstanding tax debt owed to the IRS. Many homebuyers wonder – can I buy a house if I owe the IRS? Long story short, you can buy a … Read more
Getting rid of debt can be good for your credit score and bad for it at the same time. On the one hand, paying your bills on time and getting rid of debt are both smart money moves that should improve your creditworthiness. On the other hand, your score is also affected by things like … Read more
Your credit score is one of the most important numbers in your financial life. It gives lenders a quick snapshot of your creditworthiness and can determine whether you get approved for credit and what interest rates you pay. So is a credit score of 736 good? Let’s take a detailed look. What Does a 736 … Read more
Making a large down payment when buying a home can be a great financial move. It allows you to build instant equity, avoid paying private mortgage insurance, and potentially qualify for better loan terms. However, plunking down a sizable chunk of cash as part of your down payment can also raise red flags with lenders … Read more
Paying off credit card balances in full each month is one of the best ways to build and maintain a good credit score. However, many cardholders wonder if not paying their balance in full will hurt their credit. The short answer is – it can. Here’s an in-depth look at how paying less than your … Read more