Tag:credit

Freedom From Debt: A Path For Young Black Americans

Debt feels like a trap - especially when you're young and still finding your financial footing. With student loans, credit cards, medical bills, and...

Secured Credit Card Options 2023

Secured credit cards are an excellent option for those looking to build or improve their credit. Unlike traditional credit cards, secured cards require a...

A Black Person’s Guide to Using a Credit Card

A credit card is generally our first opportunity to build and increase our credit scores. However, many young black people are not prepared to handle...

What is a FICO Score?

There are several different credit scoring models. However, more than 90% of creditors use the FICO score. Therefore, it is vital to know and...

FHA Loan Information 2022

An FHA loan is a mortgage loan insured by the Federal Housing Administration (FHA). FHA loans have more lenient income and credit requirements than...

What Makes Up Your Credit Score?

It is no secret that many people struggle to obtain and keep a good credit score. Credit scoring is not something we learn in...

4 Credit Cards for People with Bad credit

Credit scores are normally ranked from Poor to Excellent. According to Experian, a bad credit score is one that is below 670. This puts...

How a Black Woman Obtained an 800 Credit Score

Unfortunately, being black and having bad credit seem to be two things that often go hand in hand. Black comedy is filled with bad...

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Understanding the Tax Extension

April 15th is Tax Day in the United States. While many expecting refunds may opt for early filing, those...
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Food For Thought: How to Regain Your Self-Respect

Respect is a valuable thing. It is something that we all want and need. It is so sought after...

Investing: Understanding Mutual Funds

When I was in high school, I had a substitute teacher give my class some of the best advice...

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Progress denied?

As February draws to a close, the question remains...

How to Increase Your Credit Score

A poor credit score can significantly hinder your ability...