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Understanding the Components of a Good Credit Score

What is a good credit score?

Credit scores. Many people struggle to understand the ins and outs of how these complex financial ratings actually work. Countless individuals are left wondering “What is considered a good credit score?” and “What actually affects one’s credit rating?” If you’ve got questions, this overview may have the answers you need. Below, we’ll dig into all […]

How Does Your Income Level Affect Your Credit Score?

calculator

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 […]

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 […]

Covering Unexpected Wedding Costs

couple on wedding day

With multitudes of vendors, an ever-changing guest list, and venues dependent on good weather, what could possibly go wrong at a wedding? If you are making plans for what could be one of the most important days of your life, expecting the unexpected is a good rule of thumb. Having funds available to cover those […]