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How Many Credit Cards Should I Have to Build My Credit Score?
Although many people associate having multiple credit cards with credit card debt, when used strategically, they can actually serve as a beneficial tool for enhancing your credit score. According to reports, the average American consumer possessed approximately 3.84...
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Is It Possible to Take Out a Loan With No Credit?
Contrary to popular belief, having an existing credit history is not always a prerequisite for obtaining credit. The notion that you must already possess credit in order to secure a loan or be approved for a credit card is not entirely accurate. Otherwise, the concept...
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Personal Loans: What Is a Guarantor?
Guarantor Personal Loans When applying for a service, lease, or loan, the company, landlord, or lender seeks assurance that you’ll meet your payment obligations. To assess this likelihood, they typically consider your credit history and income. A strong credit...
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Good Debt Vs. Bad Debt: How To Tell The Difference
Your parents might have taught you that all debt is negative, but the reality is more nuanced. There are distinct categories of debt: good debt and bad debt. Understanding this difference is essential for practicing fiscal responsibility. Each day, whether you realize...
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Fake paperwork for student loan collections
Hidden from the mainstream attention in recent weeks, Missouri is grappling with a scandal involving National Collegiate Student Loan Trust, a company that asserts former students owe outstanding college loans. They claim to have acquired these accounts from various...
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What Is the Easiest Loan to Get Approved For?
Are you facing financial challenges due to past mistakes or unforeseen emergencies? If you find yourself in need of cash but worried about getting a loan with bad credit, you might be wondering how to go about it. On the other hand, if you haven’t experienced...
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5 Ways to Build Credit if You Have Zero Credit History
Building credit may seem like a challenging situation, as it often appears to be a catch-22. You require credit to obtain credit, but without any credit history, it’s difficult to get started. Nevertheless, the situation isn’t as absolute as it seems, and...
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Your Guide to Cash Advance Scams
Struggling to make ends meet is a common challenge for many individuals. When payday feels far away and bills pile up, cash advances and payday loans may seem like a viable option. However, it’s crucial to be aware of the growing issue of cash advance scams in...
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Is It Time to Break Up With Your Bank?
Are you wondering when the right time is to switch banks? Perhaps, it’s when you find yourself paying more fees than you save or facing charges for ATM withdrawals. If these questions resonate with you, then it’s time to consider a switch. Many individuals...
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Do’s and Don’ts of Managing Debt
Effective Debt Management – Essential Do’s and Don’ts to Keep in Mind According to various sources, the average American household carries a staggering debt of over $137,000. This debt burden often traps people in a cycle of struggling to make ends meet, as they find...
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