Should I Refinance My Student Loans Right Now?

You may have noticed interest rates hovering at 30-year lows and now wonder whether it’s a good time to refinance your student loans. Well, the answer is: not necessarily. You want to help, not hurt, your financial well-being, your credit score and prospects for future borrowing. So, the choice to refinance your student loans will…

6 Lesser-Known Signs of Identity Theft

As more of us shop online, share updates on social media and attend conferences across online platforms, scammers are enjoying a golden age. For proof, look at the 14 million victims of identity theft in 2018, which resulted in a total of $1.7 billion to hackers. Identity thieves are increasingly sophisticated and always relentless, ready…

What are the Pros and Cons of Reverse Mortgages?

Since the launch of the first reverse mortgage in the USA in 1961, homeowners have benefitted from this avenue for releasing equity from their home to cover retirement costs or other expenses. The popularity of these loans may have peaked around 2008, but they are still heavily promoted on TV and in media targeting senior…

4 Sneaky Ways Hackers Steal Your Personal Information and How to Protect Yourself

You have to give hackers credit: They never stop coming up with new and nefarious ways to steal your identity or commit credit card theft. That’s why it is crucial to stay one step ahead of them. Wondering how to protect yourself? Learn the different methods hackers use to steal your personal information, and take…

The Credit Scores That Lenders Use Most

  Not only does your credit score evolve (typically covering six-year periods) as your borrowing and payment history matures, it’s also determined by three potential sources that report varying numbers based on different types of credit scores. It’s important to know that not all lenders use the same scores, and there’s plenty you can do…