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We’ve heard it said a million times, “debt is bad,” but, how many people can pay cash for their home, car, and/or child’s education? So, when does it make sense to borrow, and what debt should be avoided?
Anyone who currently has or has had credit cards or loans has a credit history with Credit Reporting Agencies. These agencies provide credit reports upon request. A credit report contains information about where the person works and lives and how they pay their bills. It also may show whether they have been sued or arrested or have filed for bankruptcy. Businesses use this information to evaluate applications for credit, insurance, employment, and other purposes allowed by the Fair Credit Reporting Act (FCRA).
Many of the New Year’s resolutions people make involve money. That comes as no surprise, because money plays a major role in many aspects of our life. If you’d like to put your finances on more solid ground, consider these resolutions:
A lot of people worry about their credit and many financial experts devote much of their time to encouraging people to think about it. So what is it about this thing called credit that’s so important?
To be successful at anything in life takes planning and effort, and that is especially true when it comes to finances. If you are not diligent and don’t have a plan, you are sure to fail in your efforts. Here is a checklist to help make sure you keep on track and reach your financial goals.
You’ve probably heard this saying more times than you can count, “live within your means.” What exactly does that mean, and how can you apply this to your financial life?
There are several different schools of thought when it comes to which debt you should pay off first.
Interested in learning about your credit, budgeting, or practical ways to save money? FORUM is offering several Financial Seminars.