How higher rates will affect your homebuying power

The Federal Reserve voted to raise interest rates a quarter point on Dec. 16. This will have little effect on homeowners with fixed mortgages, but those looking to buy should maintain clean credit to compete with others in the market for a home. 

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Getting your finances back on track after the holidays

The holidays are officially over, but the rippling negative effects of all that spending are still felt in your bank account and credit report. Moving into the new year, you will likely want to get your finances back in order so things can return to normal, and you can reach your monetary goals for 2016.

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Avoid bruising your FICO score

Missing payments, cancelling old cards, or spending to close to your monthly limit will hurt a FICO credit score.

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Identity theft’s impact on your credit score

Identity theft is a substantial crime that can lead to a low credit score and problems in the future. 

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6 Tips for eliminating credit card debt

Credit card debt can bring your credit score down and keep you from qualifying for loans or additional lines of credit. If debt is keeping your score low, start paying of your credit card bills and follow these five tips to help you eliminate debt quickly.

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Understanding your cumulative credit score

Understanding the valuations that formulate your credit score can help you make smart financial decisions, and guide you in the right direction if you are doing credit repair. 

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Top 5 reasons you should improve your credit score

Your credit score acts as a report card for your financial responsibility. It is an indicator of your ability to pay off loans and other acquired debt.

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Don’t be overwhelmed by debt

Debt can get in the way of many aspects of life, leading to stress, under performance at your job, relationship issues and a host of other problems.

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