Do Monthly Bill Payments Affect My Credit Score?

Personal Finances

credit score report

You’re working on improving your credit score and being extra careful about paying the bills on time. But, since you don’t see these payments reflected in your score, you might be wondering: Do monthly payments, like utility bills, count towards a credit score?  Unfortunately, making your monthly payments will not affect your credit score.  However, if you’re delinquent on a …

7 Money Myths You Need to Stop Believing Now

Personal Finances

7 money myths

We all grow up hearing the same financial advice: Spend less, save more and invest early. While most of these words of wisdom ring true, there are lots of widespread money management tips that are actually false. Read on for 7 money myths that might be causing you more financial stress than benefit.   Myth #1: Debit is always better …

5 Things You Need To Know About Credit Life Insurance

Personal Finances

Credit Life Insurance

You probably have life insurance, but what about credit life insurance? It’s not for everyone, and the premiums are higher than regular insurance, but if you’re carrying a lot of debt, it can prevent your family from having to pay off your debts after you pass away. Some lenders will require it, but depending on where you live, the insurance …

Help Protect Your Identity With a Free Credit Report Freeze

Security and Scams

Credit Freeze

Consumers no longer have to pay to use an important tool to help protect their identity. As of September 21, 2018, freezing your credit report at the three major credit reporting agencies is now free. Previously, a consumer had to pay a fee to freeze and unfreeze their credit report. Freezing your credit reports makes it harder for criminals to …