About a month ago, an article showed up on USA Today. It was regarding a company called National Public Data, a company that helps companies provide background checks, which confirmed that it suffered a massive data breach involving Social Security numbers and other personal data on millions of Americans. it gave up around 2.9 billion records including names, addresses, Social Security numbers and relatives going back at least three decades; tell me that’s not scary!
One of our clients decided to see if he was listed. The article shared this link, which asks for very general information, pulls up anything that has your name on it over the course of just over 30 years, and you can check on those items individually to see if your information has been captured during one of those time periods. Continue reading Should You Get A Credit Card If You Have Bad Credit?→
Over the years on this blog, we’ve talked about the dangers of using credit cards unwisely while also trying to find ways to be able to get yourself out of the mindset of using them. We even talked about why, because of credit score issues, it might be wise to keep at least one card around and using it here and there to have a positive credit history.
Something we should have considered is that there might be ways to take care of your budget and your credit score by using credit cards as part of your budgeting efforts. Actually, we’ll only say “one” card; we don’t want to be fanatical! Continue reading Using A Credit Card As Part Of Your Budget→
Everyone has heard the term credit score. Not everyone really understands its purpose or why they should try to have a good number. Most people only know they should have a good number; they just don’t know what it is.
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Let’s get the immediate question out of the way. A good credit score is considered as any number over 720. There are a lot of things that are considered for a credit score, and since each agency seems to do it different, you could have a good credit score at one and not the other. That’s why it’s always good to get your free credit report annually via the federal government’s agreement at the site Annual Credit Report, which we’ve just linked to. Continue reading The Importance Of A Good Credit Score→
Too many people are struggling with debt that should be easy to control. Credit cards make buying things easy, and low payments make us feel like we’ve got full control.
Unfortunately, life isn’t always quite that simple. It turns out that minimum payments on credit cards could be the difference between getting out of debt in less than 3 years or having it linger as long as 9 years… and that’s if you never purchase another thing. It’s something most people don’t even think about; that’s we’re here to alert you. Continue reading Get Your Credit Cards In Order To Get Out Of Debt→
It’s been a while since we wrote about budgeting and credit cards. It’s time to reinforce the importance of understanding each of these and learning how to use your knowledge to either get control of credit cards or totally eliminate your credit card debt.
Before you decide to take action on your debt you need to know what it is. Whether it’s doing some kind of debt consolidation or filing bankruptcy, you need to know what your expenses and income is to first find out if you’re in real financial trouble or just need to get a handle on your spending. Continue reading Figuring Out Your Credit Card Debt→
Accounting & Financial Advice from the Syracuse NY area
