Bank fees are often the price of doing business with a bank. But can bank fees be negotiated, or better yet, removed altogether? The answer is yes, but it’s complicated. Keep in mind that a bank is a business. They might be providing a free
The pandemic reshaped a lot of moving parts of daily life, everything from how we shop to how we eat and even how we access bank accounts and get approved for loans. Stores and restaurants have reopened, but many experts believe the changes to lending
The expanded child tax credit payments are slated to begin July 15. But should you graciously accept the payments or try to opt out of the child tax credit (for now)? The new tax credit is being partially prepaid to qualifying families with children based
For families with children up to 17 years old, more pandemic financial relief is coming. The Biden administration recently announced an expanded child tax credit that begins in July. It allows families to take advantage of a large slice of the tax credit before they
When you’re broke, do you really need a budget when you don’t have much to work with? I get this question A LOT, and let me tell you, there isn’t a single person on earth that’s exempt from budgeting their money. It doesn’t matter how
If you met with hard times and had no choice but to file bankruptcy, your dreams of homeownership aren’t over. Today, bankruptcy isn’t a sign of failure. It’s a sign of a certain level of responsibility. You were able to realize you couldn’t get out
Imagine this.. You have worked very hard to improve your credit in order to purchase a home – either with a credit services company or on your own. You complete your home loan application, rather excitedly, and… Your application is denied! What happened? When you
If you closely monitor your credit score, you may already know that not all credit scoring models are created equal. Your credit “score” is actually many different scores, each of which is calculated based on the priorities of individual models. One of these models, the
Raise your hand if you thought that getting credit as an adult would be easy! With so much bad debt in the U.S., you’d think that just anyone could get their hands on a credit card or a loan. Which is why you might be
Anytime you need a loan or a new credit card, your credit score will play a role in how much you can borrow and what it will cost to repay it. Most people know this already, but what you might not have known is that
