Dec 27, 2025 | Debt Consolidation, Finance Help, Personal Loans
When applying for a mortgage, auto loan, or premium credit card, you might hear lenders refer to your credit tier rather than your exact credit score. This often leads to the question: What is a tier one credit score, and why does it matter? Lenders use credit tiers...
Dec 13, 2025 | Debt Consolidation, Finance Help
Credit cards are powerful financial tools that can help in a number of situations, but they don’t come without risks and costs. One of the most impactful costs is the interest rate, which for credit cards is typically far higher than for personal loans and other...
Oct 21, 2025 | Credit Cards
How many credit cards should I have? In short, for most people, two or three cards are ideal to generally provide enough flexibility and maintain a healthy credit profile, without becoming overly complex. Of course, like most things related to personal finance, the...
Sep 30, 2025 | Credit Cards
How do balance transfer credit cards work? Are you struggling with credit card debt and looking for a way to save money on interest? If so, a balance transfer credit card might help. These cards allow you to move existing balances from one card to another, often with...
Sep 12, 2025 | Debt Consolidation
Debt consolidation can affect your credit in both positive and negative ways. The consolidation process itself may initially lower your credit score a few points due to a hard inquiry and the opening of a new credit account. However, it can also help improve your...