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12 Ways to Save $1,000 for Holiday Shopping in the 12 Weeks Before Christmas

Make your holiday shopping list now, even while you plan your Labor Day weekend barbeque. The holidays take a huge bite out of many families’ budgets but they don’t have to. And they most certainly shouldn’t put you into debt. With about four months to save, now is the time to look for creative ways… Read More

Is Your Credit Report Holding You Hostage?

Forty million Americans have errors on their credit reports. Half of them have errors serious enough to affect their credit scores. Credit report errors result in a cascade of negative consequences: Denied credit – mortgage, car loan, credit card, or any other type of financing Less favorable terms – higher interest rates, lower limits, etc…. Read More

How to Choose Your First Credit Card

Getting your first credit card is simultaneously a sign and a test of maturity. An exciting feeling of financial power comes with that little piece of plastic on which your name is embossed. This rite of passage empowers consumers of all ages who decide to foray into the universe of credit. Educate yourself A credit… Read More

Does It Pay to Pay for Identity Theft Protection?

Close examination of paid identity theft protection services reveals that they don’t do much for you that you can’t do yourself. In fact, some news outlets and consumer advocacy websites warn consumers against spending money on services that are, in essence, free. So why would anyone pay for identity theft services? Because even though you… Read More

When Should You Teach Your Child About Credit?

If you’re not teaching your child about money, you should be. But at what age should you begin teaching your child about credit? Children can learn age-appropriate money lessons starting from about the age of 3. Credit is a more complicated concept that may be introduced around age 11 and developed continuously until your child… Read More

The Ugly Truth About Marrying Bad Credit

If you’re thinking about marrying that special someone, now is the time to talk about money, credit and financial goals. Don’t wait until after the wedding to find out the ugly truth about marrying bad credit. Even if you’re uncomfortable talking about finances, you must find a way to ease into the conversation. You cannot… Read More

HAWK Program Helps First-Time Homebuyers Save on Mortgage Costs

It’s no secret that many hopeful homebuyers have been shut out of the rebounding housing market, unable to take advantage of low but rising home prices because they cannot obtain a mortgage under new, stricter lending guidelines that most major lenders implemented in response to the foreclosure crisis. The strict lending guidelines are designed to… Read More