America’s credit card balances are historically down. In fact, credit card balances have yet to return to their pre-pandemic levels. This trend signifies a notable change in Americans’ spending habits, as credit card balances and debt have traditionally been one…

Homeownership is the goal of many Americans. However, in the process of loan shopping, many homebuyers fail to do their research and fall victim to predatory mortgage lending. Predatory mortgage lending includes any unfair practices that challenge a borrower’s ability…

Credit has provided Americans with ways to finance homes, cars, education, etc. And while the invention of credit has played a significant role in increasing the average person’s purchasing power, it’s been accompanied by a host of issues—most specifically, debt.…

Even after closing a credit account, it will still appear on your credit report. While it is not always possible, there might be ways to remove a closed account from your report. However, it might not always be the best…

It is no secret that being in debt lowers your credit score. However, did you know that being in debt may result in a creditor garnishing your wages? While you might not have to worry about wage garnishment until your…

Credit card companies have a way of constantly creating new cards with unique perks and enticing reward programs. While all the so-called benefits of a potential new credit card can be enticing, opening up too many credit cards at one…

Couples aren’t usually thinking about their student loans when they walk down the aisle. However, while many people plan to have their loans paid off before a divorce would even be on the table, many Americans are still paying off…