July 18, 2016
1. Why your credit reports matter. The information in your credit reports, such as your payment history, how much you owe, and how long you have used credit, is used to calculate your credit score, a gauge that lenders use to judge whether you are a good credit risk. A higher credit score improves your chances of qualifying for credit and may result in a better interest rate.
2. How to get free credit reports. By law, you are entitled to a free copy of your credit report from each of the three credit reporting agencies—Experian, Equifax, and TransUnion—once every 12 months. You can get your reports online at www.AnnualCreditReport.com or by calling 1-877-322-8228. It is a good idea to review your reports annually for accuracy and signs of fraud.
3. The best way to improve your credit score. Paying your bills on time is the most important thing you can do to improve your credit score. It also helps to keep your credit card balance well below your credit limit and to not apply for more credit than you need.
Once your taxes have been filed, first, take a moment to breathe a big sigh of relief…and then enjoy some Tax Day (April 15, 2019) discounts. There’s nothing like a good deal to take the sting out of tax obligations. Below, we’ve compiled a short list of best food and drink deals, taken from offer.com.
The long stretch from the end of the winter holiday season until the next break in your routine can feel like eternity. If you feel the need to reboot your enthusiasm as the spring season arrives, try these tips:
Our most precious commodity is time—and our attention is a close second. That’s why everyone can use some help on how to tune out daily distractions. We compiled the following helpful tips from copyblogger.com to get you started on dialing down distractions: