Corporate Responsibility
Do you love saving money?
Do you ever use apps or online tools to help you cuts costs and stay on budget?
In our continuing quest to promote financial literacy and help consumers live credit smart, we asked some of our favorite personal finance writers to share a favorite app that helps them stay on budget and save money.
Check out these frugal-living apps:
In our busy lives, it is easy to miss paying a bill.
However, your lenders won’t accept excuses for why they you didn’t pay them as you agreed to do. For example, your bankcard company cannot make excuses for being late in paying the merchants where you made your purchases. When you don’t pay, they still have to pay on your behalf.
Missed payments can have a severe impact on your credit scores. And lower credit scores will often penalize you with higher interest rates - which can end up costing you tens-of-thousands of dollars throughout your life.
So here are five strategies to help you build the best credit scores . . .
Everyone seems to be keeping a closer eye on their finances these days and more people are becoming aware of how important it is to know what your credit report looks like.
In the recently released Experian 2012 State of Credit report, we found that the national average credit score is currently 750, which is up one point from 2011.
We also crunched some numbers in more than 100 cities throughout the country and ranked the top 10 and bottom 10 cities according to credit score.
Do you love saving money?
And are you looking for even more ways to keep more money in the bank?
Experian knows the importance of this in every person's financial health.
So, as part of our overall commitment to financial literacy and in conjunction with our just released annual State of Credit report, we contacted some of our favorite personal finance writers and asked them to share one of their favorite ways to save money.
Check out these frugal-living tips:
A credit report is like a report card that provides lenders insight into how you use credit.
If you're paying debts on time and keeping debts low on credit accounts, you're building a great credit history that will help you earn lower interest rates on loans and will help you in a variety of other ways, too.
There are many myths going around about what hurts or improves your credit scores.
Here is a list of seven popular myths about credit scores and credit reports you should know about:
Unfortunately, many people have received poor credit advice and been taken advantage from credit repair companies. Many people don't realize that there isn't anything that a credit repair service is able to legally do for you that you can't do yourself for little or no expense.
As 2014 nears an end it’s a good time for us all to start thinking about what we are going to do to keep our finances in good shape and moving along into 2015. At Experian, we are here to help you. During the coming weeks and months we will be providing more educational blogs, videos and Twitter #creditchats that will help you proactively manage, build and improve your credit. So let’s get started with one of the most common questions people ask me: How do I dispute information that I believe is being reported inaccurately?
What did you do with that envelope that used to arrive once a year with estimates of your future Social Security benefits? You might have reviewed the information. You may have even filed the statement away as a reference. Now, this powerful financial planning tool is as close as the nearest computer.
I opened a few of my daily newspapers this morning (yes, the print kind!), and pondered some seemingly conflicting messages. In the Wall Street Journal, I saw the headline “Economic Reports Fan Fears.” In the New York Times, the top business story read “In a Shift, Debt Levels are Falling,” noting that American consumers are reducing their debt.