Do Joint Credit Cards Affect Both Spouses’ Credit? When you open a joint credit card account, both spouses’ credit scores may be affected. While the primary account holder’s score may improve with responsible use of the card, the cosigner’s score could drop if the account is not managed well. If you are considering opening a …
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What Is Buy Now Pay Later, and How Does It Affect Your Credit? You may have heard of Buy Now Pay Later (BNPL), but are you sure it’s right for you? You should know that these loans are unsecured and do not report to major credit bureaus. Additionally, BNPL providers do not perform a hard …
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What Are the Financial Reports Every Business Needs? What Are the Financial Reports Every Business Needs? These reports are critical to the growth of any business. They reveal trends, weaknesses, and opportunities that will help a company make strategic decisions. When used correctly, these reports can even help a business plan. A thorough review of …
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The Future of Credit Cards: Is Plastic Disappearing? “Credit cards” have been around for centuries, but they didn’t come into prominence until the era of plastic. The credit card was invented in 1950 by a man named John Biggins and shortly after it became popular with retailers like Bloomingdales to offer them as an alternative …
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Accessing working capital is important for businesses looking to expand and succeed. A line of credit is the place to find this, but several business owners find themselves knocked back from funding applications due to poor credit scores. If this’s something you have experienced, then keep reading. By the end of this piece, you’ll find …
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It is a good habit if you donate something whether it is money, goods, or time to organizations. It is essential to give back, particularly if you have achieved success. You can do it by practicing generosity. It is best to donate your money, time, energy. However, finding out the details of charitable donations is …
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There is a lot of information available about credit scores, however, a lot of customers have misconceptions about credit scores. Here are some credit score myths: It Will Take a Very Long Time for your Credit Score to Go Bad It takes some months to ruin a better credit score. At 6 months past due, …
Attention small business owners looking for money! Please read this article: How to Find Money for Small Business Owners. Small-business grants can provide you free money to startups or existing businesses, even it may take some time or effort to research options or apply for relief. The great news is growing several grants and free …
What Is Business Credit? In the same way that you make personal credit based on personal financial history, you make business credit based on your business’s financial history meaning how you will manage any credit that is been extended to business, involving credit cards, tradelines from suppliers, lines of credit, and more. While personal credit …
Debt forgiveness is when part or all of the outstanding balance of a loan and line of credit is forgiven and the borrower requires not to pay it back. It applies to unsecured debt such as credit card debt. For secured debt like a house mortgage, failure to pay results in foreclosure and repossession instead …
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