Anna Caldwell

“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 […]

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 […]

Six good habits that will help you repair your credit score. Manage your debt and adopt lifelong habits for a healthy financial reputation.

Updated July 2020 If you are considering debt consolidation or have already begun the process you might be concerned about what it could do to your credit score. It is common for credit scores to decline after consolidation, at least in the beginning. Fortunately, the effects are usually temporary and repairing your score is easier […]

Updated July 2020 If you have multiple forms of debt, you are probably familiar with the frustration of keeping track of many different interest rates, payment amounts and due dates. Managing multiple debts can be stressful, especially if you struggle to organize your finances or have an irregular income. Add late or missed payments to […]

Updated July 2020 Using a credit card is a great way to establish credit and can pave the way for more advanced borrowing like a car loan, personal loan or mortgage. Unfortunately, not all credit cards have good terms and some cards come with extra fees and penalties that can be costly to the unsuspecting […]

Updated June 2023 If paying off debt were easy, fewer people would be in debt! We know that’s not the case because the average American household has more than $9,654 in debt, and the average American with credit card debt owes $3,911. The problem is not that we have debt, but instead, the mistakes that […]