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What Credit Score Ranges Mean and How They Work

A strong credit score can unlock better loan terms, lower interest rates, and expanded financial opportunities. This three-digit number significantly influences major purchases, from buying a home to financing a car. Yet many people struggle to understand what their credit score actually means and how different ranges affect their borrowing power. Here’s what you should know. Credit Score Range...

How to Manage Debt After a Loved One Passes Away

When someone you love passes away, intense emotions, like sadness and anger, can make it hard to think clearly. During such times, managing finances, particularly debt, can feel overwhelming and confusing. Getting organized is crucial. Not only does it help in honoring the legacy of the person you've lost, but it also helps you regain control over your life and finances. If you recently...

Put Holiday Scams on Ice

While you're preparing for a busy holiday shopping season, scammers are plotting their winter heists. Many of these bad actors are crafting deceptive online schemes while others are homing in on crowded stores and malls. These holiday hustlers don't care about Black Friday bargains - they're after your credit card details and personal information. Use these tips to leave fraudsters out in the cold...

Who Else Should Know About a Loved One’s Passing

It can be emotionally draining to utter the words that a loved one has passed away. After sharing the tragic news with immediate family, figuring out who else should be notified can seem like a monumental task. But quickly alerting others could lighten the financial burdens that may arise after a loved one’s passing. Here’s a list of people and organizations that should be notified of the death...

How to Separate Your Finances After a Breakup

Many people find themselves stuck in financial limbo after a breakup, unsure how to untangle joint accounts, shared debts, and co-mingled assets without damaging their financial futures. But delays can unnecessarily hurt credit scores or lead to unexpected legal battles. A step-by-step approach is typically needed to effectively separate finances while protecting personal interests. Here’s how to...

5 Expenses to Consider Before Getting a New Pet

Earlier this year, pet adoption and fostering surged during stay-at-home orders limiting social contact. Shelters in Colorado happily announced they had no animals available for adoption. The American Society for the Prevention of Cruelty to Animals (ASPCA) reported that several states experienced a near 70% increase in pet fosters when compared to the same time last year. It's a win-win for both...

Budget for These Commonly Overlooked Car Ownership Expenses

All it took was one final test drive to convince yourself that you'd found "The One" — the perfect vehicle. It meets all your specs, including color, style, and safety features. And with financing in order, you're ready to grab the keys to your new (or new-to-you) vehicle. But before you sign on the dotted line, slide into the driver's seat, and drive off in your new ride, slow down and double...

Spend Your Way to Improved Credit

Paying bills on time and keeping credit account balances low aren't the only steps you can take to improve your credit score. Your monthly expenses may offer a hidden opportunity to rebuild your credit. While spending habits are often to blame for poor credit, it's possible to make them work for you instead of against you. Here's how. Sign up for free credit reporting bureau services. Many people...

Should You Use a Home Equity Loan or a HELOC?

If a home repair or improvement project is on your summer "To Do" list, using the equity in your home to pay for it might make good financial sense. However, choosing between a home equity loan and a home equity line of credit (HELOC) to fund your project isn't always an easy decision. While both loan types use your home as collateral, each has its unique benefits and potential drawbacks. Get...