Congratulations – you’ve impressed the hiring manager with your polished resume and thoughtful cover letter, and you’ve scheduled your interview! While that’s an accomplishment worth celebrating in itself, the actual interview process can be intimidating and stressful for interviewees. Additionally, the COVID-19 health crisis has added new layers of complication to the hiring process for both candidates and workplaces.Continue reading
Netflix? Hulu? Pfft! Everybody knows YouTube is where you find the best video content. Disagree? Just ask the millionaire YouTube celebrities who have built their fame on talking about what they love in front of their webcams.
To help you discover the best that YouTube has to offer, we’ve compiled a definitive list of the most popular individual YouTubers (no brands, bands or shows) in nearly every country in the world.Continue reading
Summer is one of America’s favorite seasons for spending. It’s a time to take vacations, tackle big home improvement projects and spend money on events like weddings, concerts, parties and family reunions.
In response to the COVID-19 pandemic, this summer looks very different than what we are used to. This year, Americans will be taking fewer or different types of vacations and skipping typical summer events, but that doesn’t necessarily mean we won’t be tempted to spend money!Continue reading
If you’ve explored your credit card options or looked into a mortgage or car loan, you’ve likely come across the term APR. This number can be a quick way to compare borrowing costs, but understanding what goes into the calculation and what this percentage truly means can be tricky.Continue reading
“I never thought I’d consider bankruptcy” Does this sound familiar? As you research the impact of bankruptcy you may be questioning what will happen with your financial future if you move forward.
It can be difficult to find resources that describe the aftermath because every bankruptcy experience is unique. While we feel comfortable going to our friends for advice on where to shop, or what kind of car we should buy, financial troubles are rarely discussed.Continue reading
Trying to get credit when you have no credit history is a catch-22. Lenders rely on credit reports to assess their risk and many aren’t willing to lend to borrowers without enough history to generate a score. We usually assume that this problem only affects young borrowers, so you might be surprised to know that 1 in 5 Americans have no credit score.
Approximately 26 million Americans are “credit invisible” meaning they have no established credit with any of the major reporting agencies. Another 19 million Americans are considered “unscorable” which means they didn’t have enough credit for a score or their credit has been inactive too long to be scored.Continue reading
Have you finally caught up on your past due loan payments? Perhaps you just completed a debt relief program and were able to settle your debt for less than you owe?
If you have been working hard to pay off, settle or consolidate your debt it can be frustrating to see your credit score drop or stay stuck. Unfortunately, when it comes to debt relief a temporarily lower credit score may be a part of the process.Continue reading
Certain types of credit damage take longer to repair than others. If you have many different types of debt you may need to prioritize which type is causing the most damage and resolve it first.
When it comes to your repairing credit there are two ways to look at the damage, short term damage and long term damage. Short term damage can be repaired by paying down balances, making regular payments for 6 to 12 months, changing your credit mix and disputing inaccurate information. Long term damage requires you to wait seven years or make payments on debt for longer than 12 months before your credit utilization improves.Continue reading
You found your dream apartment in the perfect neighborhood and the price is right. You pay the $50 application fee but to your surprise and disappointment, the landlord denies your application after pulling your credit score. Not only are you out $50 for the fee, but you’ve added an inquiry to your credit report.Continue reading