80 Personal Finance Tips and Tools That Will Help You Build Wealth

Financial ABCs

This piece was first published in 2017 on the Credit Marvel blog. It has been updated to include new statistics, tools, images, and advice for 2019. Knowing the best personal finance tips is essential to getting in financial shape. Staying financially fit is a challenge - and when you do it, there’s a big pay...

11 Essential Things to Consider Before Taking Out a Personal Loan

[Image via Pexels] Taking out a personal loan can be a lifesaver for many. With that being said, it does have both pros and cons. Your unique financial situation will ultimately determine whether this is the right move for you. In this article, we offer 11 critical points to think through before you make yo...

Fico Credit Score vs. VantageScore: The Differences You Need To Know

The Fico score and VantageScore are two different scoring models.  These models are used by lenders.  They determine both risk and creditworthiness.  Both companies have developed systems that calculate credit scores that represent the risk of default on a loan. Both the FICO score and VantageScore ...

10 Tips For Building An Emergency Fund

Having an emergency fund is an essential part of being financially healthy.  With that being said, it can seem like a huge task when the recommended 6 months of expenses is what you are expected to save from your paycheck.  It does not have to be though. Below are 10 tips for for finding money to save fo...

What Millennials Need to Know about Their Credit

Millennials, or Generation Y, are enjoying their adulthood at a time when credit is ubiquitous. Credit cards were once reserved for the wealthy and considered a sign of prestige.  Nowadays, it is common for people to carry around more than one credit card. Despite this broader knowledge of credit and its impor...

Seven Ways To Teach Your Teen Money Management

Teaching your teen money management should be the first thing on your mind if you’re going through the credit repair process.  As you may know first-hand, many people find themselves in financial trouble because they didn’t have any education on personal finance.  For this reason, teaching your teen mo...

Seven Tips For Getting Everyone On The Same Page For Family Finance Planning

Are you trying to get everyone on the same page for family finance planning?  One of the first steps is to make sure that everyone is aware of the goals and lifestyle changes the family will need to make to achieve your goals. How can you talk to your family about things like budgets, credit repair, and pe...

Benefits Of Becoming An Authorized Credit Card User

Are you looking for ways to repair your credit in the new year?  You may want to consider asking a close friend or family member with excellent credit history and credit score if you can become an authorized user on one of their credit cards. According to a blog post from Mint, becoming an authorized user of ...

10 Reasons Why You Should Sign Up for Credit Repair Services

If you are in need of credit repair services, don't wait to sign up.  Your credit report and credit score are what creditors reference when deciding to lend you money.  Therefore, it is crucial that you not only know your credit score but that your report is accurate.  By law, you have access to a free ...

What Is a Secured Credit Card, and How Can It Help You Repair Your Credit?

Use a secured credit card wisely

[Image via Pexels] If you’re on the road to credit repair, you may have heard of something called a “secured credit card.” You probably already know that if you have less-than-stellar credit, you’re going to have trouble getting approved for new credit cards. However, a secured credit card can be us...

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