It’s important to note that repairing bad credit is a bit like losing weight: It takes time and there is no quick way to fix a credit score. In fact, out of all of the ways to improve a credit score, quick-fix efforts are the most likely to backfire, so beware of any advice that […]
Every time you apply for a credit card, mortgage, car loan, or insurance, your application is judged in part by your credit score. Lenders use your credit score—ranging from 300 to 850—to determine whether to grant credit, and at what cost. The higher the score, the more likely you are perceived to repay the credit. […]
Unsigned Cards Are Not Valid And Merchants Can And Will Refuse Them You might think that everyone knows that you have to sign your credit card in order for it to be valid. After all, there’s a panel on the back that says “Not Valid Unless Signed,” but you’d be shocked at the number people […]
Memorial Day in the United States has traditionally been the unofficial kickoff of summer. Many celebrate this holiday by firing up the grill and having friends or family over for a cookout. If you’re planning your holiday BBQ menu you might be dismayed to hear that in the US the price of beef has hit […]
Check out these tips from Kaija Helmetag and Yelena Moroz on how to cut down on your grocery bills. Your friends here at Ziggy’s have added a few bonus tips too. Fresh Produce Visit ethnic grocery stores to score items like avocados, mangoes, limes, and red onions for less than what you would pay elsewhere, […]
Today we share 21 tips for credit card fraud prevention courtesy of Internet Scambusters, plus information about what to do if your card is lost or stolen. Keep an eye on your credit card every time you use it, and make sure you get it back as quickly as possible. Try not to let your […]
Identity theft is a serious crime where someone steals your personal information and uses it without your permission. It can wreak havoc with your finances, credit history, and good name. As we’ve discussed in the previous two weeks an ounce of prevention is definitely worth a pound of cure when it comes to identity theft, […]
Last week we learned about identity theft and some of the ways criminals can steal your identity. This week we share some tips how you can make yourself a harder target and help protect yourself from becoming a victim. Come back next week for part 3 of this series when we’ll share the steps you […]
Simply put, identity theft is the fraudulent acquisition and use of a person’s private identifying information such as a Social Security Number, usually for financial gain. It has been a federal crime since 1998 and affects millions of people of all ages (yes, even children) every year. Credit card fraud is the most common type […]
Proving you’re worthy of a low loan rate or a new credit card isn’t easy in today’s lending world. Two years ago, a 620 on the 300-to-850 scale could have snagged a reasonable mortgage rate. Now you need at least 760 to get today’s best rate of 5.6 percent or so. Here’s how to improve […]
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