If you are one of the 7 million people who has defaulted on student loans in the United States, it is likely you might not even know where to start to begin the process of getting it back on track. Failing to pay your student loans can financially set you back in many ways such as: Withholding your tax refund Garnishing wages …
Credit Scores vs Your Relationship
Three digits to determine your future partner. Dating is not easy. Dating with bad credit may be even more difficult. According to a recent study by Bankrate.com, 42% of adults factor in a person’s credit score to determine whether they would date them or not. Upon first glance, this may seem shocking but finances are understandably important. In simplified terms, a person’s …
How to Build Credit as a Student
The world we live in today is controlled by financial standing and recent college graduates may find it tough to establish themselves in the real world. Apartment leases, car loans and even signing up for internet service requires a respectable credit score. The good news is that there are several ways for college students to earn and build their credit …
How Does Bad Credit Really Affect You?
In the last couple of years, how many times have you left your favorite grocery store and not used your “membership” card when you are checking out? Even if you forgot the card or your phone number is not linked, did you look at the people in line behind you to see if anyone would share their savings card with …
The “Lucky Guy”
Two clients in one week came in that were very similar. They had the same job, made the same money, had the same assets and wanted the same thing, to buy a home. Everything about their credit was identical. They utilized the same amount of money from credit cards each month which was the amount available to them and they both paid …
Understanding your Credit Score
When we were first starting out in school and in life, we were all on an even playing field and then when we left high school or college, it was just assumed that we, as Americans, understand the responsibilities of living in the United States and how to build a strong financial legacy. We don’t teach our children in schools …
Pockets with Purpose (Saving Money with No Effort)
There is something about pockets in a dress that makes me squeal like a little girl. Strangely enough, as I was researching why women love our pockets I found quite a bit of information about the political-ness of them and how they represented freedom to women in earlier years. I knew I sensed something very liberating about them. I’ve noticed …
Saving Money When Living Paycheck to Paycheck
Many of us are very familiar, most likely even personally, with how many Americans live paycheck to paycheck. Living paycheck to paycheck seems to be an extremely common, yet uncomfortable position that most Americans find themselves in. This should be an extreme cause for concern for most of us because until we figure out and solve our personal financial situations, we …
Best Credit Cards for Young People
If you are applying for a credit card for the first time you are probably wondering what the best credit cards for beginners with no credit are. You are probably even wondering if it is even possible to get a credit card at all without any credit. Well we at Color My Credit are here to tell you that there is no need to worry! …
How are Credit Reports created?
There are quite a few common questions many of us have when we start to take responsibility for our personal financial situations and look at the numbers that greatly determine the amount of financial power we wield: our credit scores. Let’s take a look at a few of the most common questions about credit reports here: How are credit reports created? An …
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