10 Budgeting Tips for Millennials

Budgeting is the cornerstone of financial health, providing individuals with a roadmap to manage income and expenses effectively. In today’s economy, mastering the art of budgeting is practical and essential for achieving financial stability and meeting your goals....

Signs of Identity Theft Every Millennial Should Know

Imagine you wake up one morning to your usual routine of checking emails and scrolling social media. However, what awaits is a flood of notifications from unfamiliar accounts thanking you for your recent purchases of luxury watches, handbags, shoes, clothing, etc....

How Young Adults Can Establish Credit Without Breaking the Bank

Establishing credit from scratch can feel like an uphill battle when you're a young adult on a tight budget. But having a solid credit history is important when it comes to making a major purchase, such as a car or even securing an apartment. The good news is there...

What Your FICO® Score Says About You

Your credit score is a three-digit number that can significantly influence your financial life. It's a snapshot of your creditworthiness, and it can determine your ability to secure loans, credit cards, and even housing opportunities. But what does your credit score...

Why Does My FICO® Score Fluctuate?

A FICO® Score fluctuates due to various factors, reflecting changes in an individual’s credit behavior and financial circumstances. These scores are widely utilized by lenders to assess the risk associated with extending credit or loans to consumers. By evaluating...

How to Decode Your Credit Score

Understanding your credit score can seem like decoding a complex puzzle, but with the right knowledge, it becomes much simpler to navigate. Your credit score holds the key to your financial health, influencing everything from loan approvals to interest rates. In this...

How Does Inflation Affect Credit?

During times of high inflation, rising costs can put consumers under greater financial stress. High inflation can make it harder for you to pay for the things you need, more expensive for you to borrow money, and slow down economic growth on a large scale. If you’re...

What Is an SBA Loan?

Do you have a great business idea but need funding to get it off the ground? SBA small business loans offer affordable financing and flexible repayment terms to help entrepreneurs launch or expand a business. Here we explain what an SBA loan is and how it works. What...

Budgeting Tips to Pay Off Tax Debt

As tax season approaches, many individuals may find themselves grappling with the reality of owing money to the Internal Revenue Service (IRS). Whether due to unexpected income sources, insufficient taxes withheld from each paycheck, filing incorrectly, or missed...

Do Taxes Affect Your Credit Score?

Between the beginning of the year and mid-April, tax season is in full swing and many people are quickly going to tax professionals to either pay their taxes or get their refunds. One question on many minds is the connection between taxes and credit. Do taxes affect...

Recent Articles

What Are the Different Types of Interest?

What Are the Different Types of Interest?

Whether you're considering a loan, navigating investments, or managing debt, understanding the intricacies of interest is a critical life skill in the modern world. The term “interest” comes up in all kinds of financial conversations, but what are the different types of interest? This guide delves into the unique roles of each type of interest, with critical insights into how interest influences your financial decisions. Common Types of...

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5 Essential Financial Skills for Every Adult

5 Essential Financial Skills for Every Adult

Looking to develop your financial skills? Young adults and even older adults all desire to be on top of their finances and not have to stress about money. But what do you do to continue having a great track record with your finances? Essential Financial Skills 1. Budgeting Create a Budget: A budget is something you use to help you understand what money you have and what you need to spend your money on. That can include things you want and...

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How to Improve Your FICO® Auto Score

How to Improve Your FICO® Auto Score

Looking to buy your dream car? Having a strong credit score is an important early step in the process. Your creditworthiness determines the terms of your auto financing, making it crucial to understand how to enhance and maintain a strong credit profile. The most popular scoring model lenders use for car purchases is the FICO® Auto Score, which measures how likely you are to repay auto loans. This comprehensive guide helps you navigate the...

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Raise Financially Responsible Children With These Tips

Raise Financially Responsible Children With These Tips

A parent's mission is to direct their children down the path of becoming responsible adults. One of the most valuable gifts parents can impart to their children is the knowledge and skills to manage personal finances responsibly and comfortably. The earlier children learn about money, the more confident and well-prepared they will be to navigate the complex world of personal finance in adulthood. Raising children to become financially...

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Top 10 MyScoreIQ Blog Posts of 2023

Top 10 MyScoreIQ Blog Posts of 2023

This past year you’ve looked to the MyScoreIQ blog for advice, making the following articles your go-to guides for navigating the sometimes-murky waters of credit scores and financial wellness. From conquering debt collector misreporting to handling credit after a loved one's passing, take a look at the top-performing MyScoreIQ blog posts of 2023. Top MyScoreIQ Blog Posts of 2023 Can Old Addresses Be Removed From Your Credit Report? How to...

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7 Steps to Prepare for Retirement

7 Steps to Prepare for Retirement

While approaching retirement is exciting, it demands thoughtful planning and strategic decision-making. As you transition from your career into the golden years, envisioning the life you desire after the daily grind is essential. This guide helps you determine what steps to take to prepare for your dream retirement, navigating through seven steps to prepare for retirement. From setting expectations to navigating the intricacies of healthcare...

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How to Save For a Down Payment in 2024

How to Save For a Down Payment in 2024

Planning on buying a home in 2024? This comprehensive guide provides practical insights on how to save for your down payment, empowering you to meet your real estate goals for the year. Here are nine key tips on how to save for a down payment in 2024. How to Save For a Down Payment 1. Evaluate Your Finances When embarking on the journey to save for a down payment, the first step is to thoroughly assess your financial situation. This crucial...

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How to Manage Money as a Couple

How to Manage Money as a Couple

With the right approach, learning to manage money as a couple can strengthen your bond and help you build a successful future together. Whether you're newlyweds navigating joint finances for the first time or a long-term couple seeking to optimize your financial strategy, this guide lays out a clear roadmap for managing money as a team. 7 Tips to Manage Money as a Couple 1. Practice Open Communication Encourage open and honest discussions about...

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How to Help Improve Your Credit in 2024

How to Help Improve Your Credit in 2024

Was your New Year’s resolution to improve your credit? Maybe you crave a tropical vacation, want a new car, dream of owning your own home, or simply want the peace that comes with healthy finances. A strong credit score is the key that helps unlock many of these opportunities. If you are looking to broaden your financial horizons, this can be the year you take your credit to the next level. Here's how to help improve your credit in 2024. 3 Ways...

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How Does Identity Theft Affect Your Credit Score?

How Does Identity Theft Affect Your Credit Score?

The threat of identity theft continues to snowball in today's digital age, affecting millions every year. Identity theft can damage your finances in a variety of ways, but how does identity theft affect your credit score? Here, we delve into the various forms of identity theft, common tactics used by identity thieves, and, most importantly, how identity theft can affect your creditworthiness in the eyes of lenders and credit bureaus. What Is...

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