DEBT & CREDIT

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7 Ways to Get Out of Debt in 2020 Instag

Nick Carroll

January 5, 2020

In this article, you will discover 7 ways to pay off your debt and start your family on a path towards financial freedom.  

 

  1. Choose a Debt Payment Strategy

  2. Pay Off Your Credit Cards

  3. Reduce Your Household Expenses

  4. Increase Your Income

  5. Spend Less Money Every Month

  6. Reduce Your Interest Rates

  7. Start Using Debit or Cash to Pay for Things

How to Pay Off $10K Credit Card Debt.jpe

Nick Carroll

December 28, 2019

Did you know the average American consumer has 2.6 (let's say 3) credit cards?  This is according to a Gallup study; however, does this reflect if Americans are handling credit card charges responsibly? 

 

In this article, you will discover five steps in paying off credit cards that amount from $10,000 to $15,000.  These are the best ways to pay off your credit card debt.

8 Ways to Lower Medical Bills in 2020.jp

Nick Carroll

December 8, 2019

For many US households, having adequate healthcare coverage is one of many priorities consumers are being financially challenged.

With healthcare and pharmaceuticals skyrocketing passing onto consumers the skyrocketing costs, how can you get your medical bills reduced, and how can you reduce your out of pocket medical expenses?

How to Increase Your Credit Score.jpg

Nick Carroll

December 1, 2019

Building a credit score up to 750, which marks the beginning of an excellent credit score, is very similar to building a treehouse.  It takes hard work, perseverance, and patience.  How do you get a 750 credit score?

Having an excellent credit score separates those who will have to less money than others due to a lower interest rate, as well as improving your chances for a loan.  You might be asking or searching, "How do I increase my credit score" or "How can I boost my boost credit score?"

Credit Card Hidden Fees.jpeg

Nick Carroll

October 21, 2019

Do you have a favorite credit card that you use for rewards or points? How about a retailer credit card such as a American Express or a Victoria Secrets credit card? It is easy to fall prey to their marketing tactics and sales pitches. 

 

After all, since you shop there, might as well earn some points, right?  No matter which card you have, you will discover six credit card secrets they don't want you to know.  

Does Debt Snowball Work.jpg

Nick Carroll

June 6, 2019

In the simplest explanation, the difference between debt stacking and debt snowball is knowing which debt to pay off first in sequence order.  


Debt stacking requires you list all of your household debt and organize it from highest to lowest interest rate.  Applying the payment structure from highest interest rate to the lowest rate is the fastest debt payment method, mathematically. 

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BUILD CREDIT

Need to build your credit?  Whether you have bad credit or no credit, Self allows you to save money into an account by making payments on it.  Self reports the payment history and balance to credit bureaus.  Make on-time payments, and watch your credit build.  At the end of the time length you designate, get your money back.  No credit required to start building today.

CREDIT MONITORING

Credit Karma delivers free credit scores and gives free monitoring alerts when there are important changes to your credit reports. With Credit Karma, you can check your credit report as frequently as you'd like without impacting your credit score.  With this free service, you can pull your credit report and score at anyplace and anytime without impacts on your credit score.  

CREDIT SCORE

Do you understanding what makes up your credit score?  With Credit Sesame, you will obtain a free credit score and credit monitoring to include learning the factors and measures it takes to improve your score.

Get started today and take control of your credit management.

DEBT MANAGEMENT

Need a loan to pay off your credit cards? Replace those higher interest rates with a low fixed rate and a simple monthly payment.  Increasing your credit utilization and paying off your credit cards will increase your credit score. 

 

Check your rate today with no application fee or commitment, plus checking your rate with Payoff won't impact your credit score.

SAVING MONEY

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From Certificates of Deposit to High Yield Savings Accounts, discover how you can save more money.

DEBT MANAGEMENT

With 95% of clients recommending this service to friends or family, you can receive a loan decision in under 5 minutes and receive multiple quotes that best fits your financial circumstance. 

With personal loans up to $40,000, you can check your rate that won't impact your credit score plus there are no prepayment penalties.

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