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Does Credit Score Affect Car Insurance

How Does Credit Score Affect Car Insurance? If you have bad credit, you’ll likely face higher than average car insurance rates. Find out how much higher, and why. Insurance companies typically consider your credit score to set your auto insurance premiums. They use your credit score to determine your auto insurance score. The higher your … Read more

Do Student Loans Affect Credit Score?

Do Student Loans Affect Credit Score? Many college students, graduates and parents (or grandparents) of students have taken out student loans to help pay for educational expenses. These loans are generally reported to the three national consumer credit reporting agencies — Equifax, Experian and TransUnion — and could impact the borrower’s credit score. Building credit … Read more

What Happens If You Don’t Pay Student Loans

What Happens If You Don’t Pay Student Loans If you’ve missed a student loan payment or are struggling to make payments, you’re not alone. According to the Department of Education, millions of loans are currently delinquent, with many more being sent to collections every day. What happens when you can’t afford to make a payment, and … Read more

How To Settle Credit Card Debt

How To Settle Credit Card Debt The situation contained here is for those with credit card debt that is already in collections. In this situation, you’re no longer dealing with your original creditor because they’ve sold your debt off to a collection agency. This usually happens once you’re 150 days past due on a payment. … Read more

Does Corporate Card Affect Credit Score

Does My Corporate Card Affect Credit Score Credit scores have become an incredibly popular personal finance topic in recent years. The rise of sites like Credit Karma, Credit Sesame, Quizzle and the reporting of credit scores with credit cards have made a once complicated topic more accessible to the public. But one element of credit … Read more

Being Sued By Debt Collector

What To Do If You Are Being Sued By A Debt Collector If you’ve stopped making payments on a debt, and it’s been in collections for a while — and especially if you’ve been avoiding the debt collector’s attempts to contact you — it’s possible that you may get sued for that debt. Not all unpaid debts will end … Read more

Secured vs Unsecured Debt

Secured vs Unsecured Debt: What’s the Difference? When talking about debt, it’s important to understand the two major forms: unsecured debt and secured debt. Knowing what types of debt you owe, and the differences between secured and unsecured debt, is crucial when it comes to personal finance. This article will define each type of debt, … Read more

Debt Consolidation vs Credit Counseling

Debt Consolidation vs Credit Counseling If you are looking for a solution to help you manage your money and ease any financial pressure you’re experiencing, you may be wondering which of the available debt relief options you should use. Debt consolidation and credit counseling are two solutions available to consumers in need of help with managing their bills. … Read more

Chapter 12 Bankruptcy

Chapter 12 Bankruptcy: A Beginner’s Guide Reviewing the U.S. Department of Agriculture’s 2022 statistics gives a completely different perspective on the state of America’s farms than many non-farmers might initially have. We see that 506,001 farms, or 24.7% of the total number of U.S. farms, produced less than $150,000 in income in 2022. That same … Read more

Pacific Debt

You’re in significant debt and have decided it’s finally time to pay off your balances. But you don’t know where to begin. You feel overwhelmed and are starting to think you might need the help of a professional. There are companies out there that can help you negotiate your debt, and these are called debt relief or … Read more