Personal Finance

Best Credit Cards That Pull Experian Only
Best Credit Cards That Pull Experian Only

Terms apply to American Express offers on this page. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.Companies will most likely conduct a credit check on consumers looking to open a credit card or receive a loan. Credit cards that pull Experian credit reports look for the information listed from your other...

Sep 27, 2022
Top $500-$1000 Credit Limit Credit Cards with No Deposit [Even for Fair Credit]
Top $500-$1000 Credit Limit Credit Cards with No Deposit [Even for Fair Credit]

According to Experian, nine percent of customers have a FICO score below 550; between 2020 and 2021, the average credit score ranged from 578 to 586. If you have a low credit score, you are not alone; however, like many others, you may find getting the credit you need challenging. Several credit card companies and personal...

Sep 26, 2022
LLC or Corporation in California? Read This Before and Choose Right
LLC or Corporation in California? Read This Before and Choose Right

California has 4.1 million small businesses, employing 7.2 million workers and accounting for 99.8 percent of all companies in the state. As of June 2022, 42,302 new business applications were submitted, a 5.6 percent increase over 2021. California makes it attractive to set up a business by offering tax benefits and providing notable business credits for...

Aug 29, 2022
Second Chance Credit Cards: Best Unsecured Options for People with Poor Credit
Second Chance Credit Cards: Best Unsecured Options for People with Poor Credit

Sometimes life happens, occasionally at the peril of your credit score. But rest assured that no matter how unflattering your credit history may be, there’s always a chance to turn things around. Second chance credit cards present customers with a unique opportunity to rebuild their credit history, as long as they're used responsibly. Join us for an...

Sep 26, 2022
Best Mortgages With NO Early Repayment Charge (and How to Avoid them)
Best Mortgages With NO Early Repayment Charge (and How to Avoid them)

If you are in the position to pay off your mortgage early, it is best first to ask your lender if there are any prepayment penalty charges. Most mortgage lenders charge a prepayment penalty when borrowers pay off their loan balance before the final payment's due date. Depending on how long the loan has been...

Aug 15, 2022
How to Get a 700-750 Credit Score in 3 to 6 Months? (Read this Guide)
How to Get a 700-750 Credit Score in 3 to 6 Months? (Read this Guide)

Most Americans suffer from a low credit score, which has several negative effects, including higher interest rates and the inability to get unsecured loans/credit. According to Experian.com, the average credit score in the United States in 2021 was 714, which falls within the average credit scores for moderate to middle-income individuals. Average credit score brackets, according...

Sep 21, 2022
Which is Best for a Trucking Company: LLC or Corporation?
Which is Best for a Trucking Company: LLC or Corporation?

Starting a trucking company involves many steps, including the decision to establish the business as a limited liability company or a corporation. According to the American Trucking Association, in 2019, trucking demands represented 80.4 percent of the freight costs spent in the United States, providing this business category with a gross freight revenue of $791.7 billion....

Aug 15, 2022
Best Store Credit Cards That Do Soft Pulls [And Why They're Worth It]
Best Store Credit Cards That Do Soft Pulls [And Why They're Worth It]

Not so long ago, you could obtain a lot of store credit cards through a soft credit pull. A soft pull is a brief look at your credit that does not affect your credit score. More recently, however, you can pre-qualify for most store credit cards with a soft pull, but to actually issue the...

Sep 08, 2022
Prepaid and Virtual Cards That Work With Cash app
Prepaid and Virtual Cards That Work With Cash app

Cash App is a peer-to-peer or “P2P” financial app that makes it easy to instantly send money to both friends and businesses alike. Formally known as Square Cash, it was founded back in 2013 by Jack Dorsey’s Block Inc. to compete with similar services like PayPal and Venmo. Each Cash App user chooses a unique...

Sep 26, 2022
Acorns vs Vanguard: Which One Is Right For You?
Acorns vs Vanguard: Which One Is Right For You?

Gone are the days when investing in the future was a luxury limited to Wall Street gurus or even financially savvy investors. These days, one of the biggest challenges for many beginning investors is finding the best investing platform for their needs. Comparing Acorns vs Vanguard largely comes down to pinpointing which one is better aligned with...

Jun 20, 2022
Here's How to Transfer Money From Prepaid Cards to Bank Account
Here's How to Transfer Money From Prepaid Cards to Bank Account

Sometimes you have or receive a prepaid card, and you'd really like to have the money as cash in hand or in your account rather than on the card. You may not use the retailer where the gift card is from, or you may simply need the cash. In either case, there are some cards...

Sep 26, 2022
How to Get Approved For High-risk Personal Loans With Direct Lenders
How to Get Approved For High-risk Personal Loans With Direct Lenders

A high-risk loan is a loan that poses more risk to a lender that chooses to issue credit to someone with a low credit score, also known as a "high-risk borrower." These borrowers generally do not have a solid track record of repaying debts, tend to keep credit card balances close to their limits, or...

Apr 11, 2022
The Best Cards For Getting Cheaper Gas at The Pump
The Best Cards For Getting Cheaper Gas at The Pump

Terms apply to American Express offers on this page. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.With gas prices running high across the nation, many people are worried about the cost of gas at the pump, wondering “How can I get a discount on gasoline?” Unfortunately, those...

Sep 26, 2022
The Easiest Credit Cards to Get For Immigrants (No SSN or Credit Score Required)
The Easiest Credit Cards to Get For Immigrants (No SSN or Credit Score Required)

Terms apply to American Express offers on this page. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.America is indeed the land of opportunity, and thousands of immigrants come to the US every year to fulfill their version of the American dream. Many of these individuals left successful...

Sep 26, 2022
Mortgage Refinance As An Inflation Hedge
Mortgage Refinance As An Inflation Hedge

Inflation has become an increasing problem across the country in recent days as the American economy continues to struggle under the weight of Covid-19. Many people are looking for ways to help improve their financial status, including potentially refinancing their mortgages.  In 2020, mortgage rates fell to an immense low point. Many people choose to...

Feb 24, 2022
No Interest Credit Cards For 24 Months: Best Options
No Interest Credit Cards For 24 Months: Best Options

Credit cards can become one of your greatest assets if you are looking forward to purchasing a new item or consolidating an old loan. However, these financial cards are well known for having some of the highest interest rates compared to other financial products. It is worth noting that some of the best credit cards...

Sep 27, 2022
Student Loan Relief & Forgiveness Programs by State [2022 Updates]
Student Loan Relief & Forgiveness Programs by State [2022 Updates]

Paying back student loans can take years, if not decades. If a payment is late or missed, the loan may be considered delinquent and late fees will be tacked on. Many graduates find themselves having to put off life commitments and large purchases, like getting married or buying a house, until that debt is paid...

Dec 14, 2021