What Is a Good Debt-to-Income Ratio?
We all have a sense that more income and less debt are both good things. But what’s the ideal ratio between income and debt? If your debt-to-income ratio is too high, any shock to your income could...
View ArticleAll About Credit Counseling
When debt feels unmanageable, credit counseling can help you regain control. Credit counseling comes in different stripes, though. Some are non-profit credit counselors while others charge fees that...
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The Least-Stressed Cities in America
Feeling stressed out? You’re not the only one. A 2014 study by the Robert Wood Johnson Foundation and the Harvard School of Public Health found that half of all American adults dealt with a major...
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What You Should Know About For-Profit Colleges
For several years for-profit colleges were on the rise. They launched advertising campaigns that made them seem highly attractive to prospective students. More recently, enrollment in for-profit...
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5 Money Moves to Make Before 2016
With 2015 winding down, there’s no better time to take a look at your finances and review your goals for the year. Even though the new year is just weeks away, you’ve still got a chance to make a...
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How Your Credit Card Utilization Can Affect Your Score
Credit scoring models take multiple factors into account when assessing your credit risk. The FICO scoring model, for example, looks at your payment history and your credit mix. Another important...
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3 Mistakes People With Good Credit Shouldn’t Make
When it comes to borrowing money, your credit score can make or break you. A high credit score can help you qualify for more favorable loan terms. And a low credit score can leave you with an...
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5 Ways to Rebound When You’ve Been Denied Credit
Being turned down for a credit card or a loan is never a pleasant experience. But it may happen, particularly if your credit score isn’t up to snuff. While getting rejected by a lender may be a...
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Your Financial Checklist for Getting a Mortgage in the New Year
Since the Federal Reserve decided to raise interest rates during its December meeting, mortgage rates may rise in 2017. Even if rates don’t increase substantially, taking on a home loan could become...
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5 Credit Mistakes That May Keep You From Buying a Home
If buying a home is one of your resolutions for the new year, you’ll need to make sure that your credit is in good shape. Since the Federal Reserve may raise interest rates more than once in 2017,...
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