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How Does Your Income Level Affect Your Credit Score?

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Did you know that your income is not included in the calculation for your credit score? In fact, income does not directly impact your credit score, but how much you earn may affect your ability to pay your bills on time, potentially causing lenders to consider your income when determining if you qualify for a […]

How Could Debt Consolidation Affect Your Credit?

debt consolidation

Having multiple credit cards and loans with different balances and due dates can become overwhelming. If you’ve been thinking about consolidating your debt, you might wonder how the decision may impact your credit. Any new loan could impact your credit score, but whether it is right for you—for the short and long term—depends on your […]

Credit Cards and Personal Loans: Know Your Options

woman with credit card

Check your wallet. Do you have multiple credit cards in there? If you pay off your balance each month, you may not give them a second thought. But did you know that interest rates on credit cards are at record highs? Before you apply for another credit card or use one you already possess to […]

What Is APR on a Personal Loan and How Does it Work?

reviewing apr on loans

When you borrow money, you repay the funds over time, with interest and fees included. The APR, or annual percentage rate, is a calculation of the total annual cost of borrowing money and includes fees and other charges, in addition to interest. Lenders often advertise a low interest rate. But the interest rate alone does […]