Whether it’s a car loan or a home mortgage, having better credit makes it easier – and less costly – to borrow money from lenders.
There are a number of ways to improve your credit report. Here are a few of the steps you can take to not just have better credit, but also better manage your finances:
Track your expenses for one month to see where your money is going, and create flexible budget.
Stop using credit cards. Keep low balances on credit cards.
Join a credit union, which typically is more likely to give you a loan than a regular bank.
Avoid bankruptcy, which should be seen as a last resort.
For more information on building your credit, read this Consumer Advisory.
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Crowdfunding websites have become major platforms for raising money for various causes, from the production of a local band’s first album to the payment of a cancer patient’s medical expenses. While websites like Kickstarter and GoFundMe have been instrumental in funding entrepreneurial products and …Continue Reading Online Smarts: Crowdfunding Scams
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Online shopping provides a fast, convenient platform for purchasing goods. There are several ways to shop online. You can buy from the online store of your favorite company, for instance Gap or Best Buy, or from an online warehouse like Amazon or Overstock. You …Continue Reading Online Smarts: Tips for safe online shopping