What Is an Excellent Credit Score and How Do You Get One?

Having a good credit score is crucial if you ever hope to be approved for credit cards or loans without sky-high APRs. Ranging from 300–850, the three-digit number proves to lenders and credit card companies that you are a trustworthy borrower who will pay back your debts in full. The higher the number, the higher…

10 Mortgage Terms Every Borrower Needs to Know

The first step to joining the nearly 40% of American homes that are now “free and clear” of mortgage debt is to start making the regular monthly payments that lead to financial freedom. If you’re just beginning to navigate the homebuying market, the array of terms can be baffling. Here are the essential mortgage terms…

When to Get Free vs. Paid Credit Monitoring

Credit monitoring is essential to your financial health. Regularly checking your credit report along with your credit rating provides you vital information about your financial wellness, and can serve as an early warning of possible problems such as missed payments or identity theft. However, making sure to always monitor your accounts can be tedious and…

How Identity Theft Insurance and Credit Monitoring Work Hand in Hand

Protecting your identity on the internet is more critical than ever before. According to a recent report from Consumer Affairs, the Federal Trade Commission (FTC) processed more than 1.4 million identity fraud reports in 2018. With numbers like these, identity fraud insurance has become increasingly critical for every consumer to consider. While identity fraud insurance…