When you’re trying to establish credit for the first time or rebuild your score after a bankruptcy, foreclosure, or other rough financial spot, a secured credit card, when used responsibly by you can be a lifesaver. The OpenSky® Secured Visa® Credit Card is one you may want to consider, whether you’re starting out or you’re starting over.
Credit Sesame’s ABC of states that do not tax retirement income. Planning for retirement? Are you liable for tax on your retirement income? Some retirement distributions are considered income and taxed by the federal government. Some states do not tax retirement income. Some states do tax income of any kind. Here is our ABC os
Credit Sesame on options for a mortgage with a 500 credit score. Your credit score is a significant factor when mortgage lenders underwrite your loan application. While very few mortgage programs exist for homebuyers with credit scores as low as 500, some options may be available to you: FHA home loans Non-prime loans Seller financing
Credit Sesame with a not-so-light-hearted look at the history of personal loans and borrowing through the ages. Think getting a personal loan requires a lot of effort today? Imagine being an ancient Sumerian. Back then, you needed something more tangible than a good credit report. They preferred silver for big expenses, such as land and
Credit Sesame on budgeting for contentment or the art of balancing your needs and wants. Everyone wants to feel contented. But, for many, money problems keep getting in the way. There’s a solution to that: budgeting for contentment. You don’t have to overturn your way of life or deny yourself the pleasures you treasure. You
Credit Sesame discusses how to use credit monitoring to avoid unpleasant surprises. Imagine if a work colleague lies about you behind your back. Perhaps dishing dirt on you to your boss, landlord, bank and people who do business with you. Would you like to know what they are saying? Better yet, would you like the
Credit Sesame discusses how credit card pre-approval preparation may improve your odds of a successful credit card application. Have you received a marketing promotion via snail mail, email, or phone call for a credit card? Chances are this is a credit card pre-approval offer, which means you’ve been prescreened for a specific credit card that
Credit Sesame survey reveals the habits of people with great credit. Individuals with exceptional credit scores enjoy some important advantages. Typically, approval for credit is easier, they get lower interest rates from a wider selection of lenders and better rewards. A recent Credit Sesame survey identified five habits of people with top credit scores that
Credit Sesame survey reveals characteristics of the unbanked in the United States. Most Americans take having a bank account for granted. It’s not unusual to have multiple bank accounts. A bank account keeps money safe and easily accessible. It also can be a gateway to a variety of other financial services. Credit Sesame asked over
Credit Sesame highlights 20 reasons it’s a good idea to build your credit. Responsible credit behavior allows you to build your credit and achieve financial freedom. Here are 20 reasons why it’s important to build your credit: Better interest rates. With a higher credit score, you may qualify for better interest rates on loans and
