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Understanding Your Finances: The Guide for College Students

Understanding Your Finances: The Guide for College Students https://upgradedpoints.com/credit-cards/students-guide-to-credit/ Here’s what we cover: How to pay and save for college Getting college scholarships and grants Managing your credit score as a student Best financial advice for college students And some of the insight we explore: Private student loan debt volume hit an estimated $12 billion…

DIY Credit Reports

 Experian, one of the largest credit reporting agencies, now allows consumers to create their own credit histories. About 28 million American adults don’t have credit reports with major firms and thus have difficulty getting credit. Often their only options are payday loans and other high-cost options. Many people of color, immigrants, college students, and people…

Have you ever heard of "debt parking"?

It’s ‘Debt Parking’: When Fake Debts End Up on Your Credit Report “The F.T.C. recently took its first legal action to stop the fraud. Consumers may not know the debts are on their reports until they apply for a loan.” Thanks to The New York Times writer Ann Carrns for exposing this despicable practice by…

Get your free credit reports today

Due to the unemployment and financial stresses resulting from COVID-19 Equifax, Experian, and TransUnion  provide free weekly online reports through April 2021. Go to https://www.annualcreditreport.com You will be asked for your name, address, birth date, and social security number.  If you’ve lived at your current address for less than 2 years you will be asked…

Mounting car debt traps more drivers

Look at all those huge shiny new pick up trucks and SUVs on the roads these days! Are Americans really that affluent? Not really. How could it make sense to buy a $27,000 vehicle with a $45,000 loan? No I did not mix up the numbers as reported by AnnaMaria Andriotis & Ben Eisen on…

6 Unusual Ways to Get Out of Debt

“Driving for Uber, pet sitting through Dog Vacay and doing odd jobs through Task Rabbit are all options to pick up extra money” according to Andy Smith, a certified financial planner. Maryalene La Ponsie describes the pros and cons of other creative way to find money to pay off debt. Her article includes links to…