Smart Strategies for a

Debt-Free Future

Stay informed with expert tips, financial insights, and real success stories to help you take control of your debt and build a brighter financial future.

The Three Best Ways to Improve Your Credit Score

The Three Best Ways to Improve Your Credit Score

2019 is around the corner, and with it - for many people - will come a multitude of resolutions to save more money, pay off debts, and to generally improve their finances. A good starting point to achieve these goals is knowing and understanding your credit score....

What is considered a hardship?

We deal with individuals and families facing hardship cases such as divorce, medical problems, loss of income/job/limited income, high interest rates, living paycheck to paycheck, etc. Credit card debt is a dangerous and growing problem. The average American family...

Unsecured vs. Secured Debt

A secured debt is a debt in which the creditor maintains a security interest in an item or piece of personal property such as a house, automobile, boats, etc. With secured debts, if you fall behind on payments, the lender can repossess the property that originally...

What is a credit report?

A credit report is a record of your credit activities. It lists any credit card accounts or loans you may have, the balances, and how regularly you make your payments. It also shows if any action has been taken against you because of unpaid bills.