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Ask an Expert: How can I qualify for student loan forgiveness?

Q. How can I qualify for student loan forgiveness? Dear Reader, Dealing with your student debt can seem overwhelming and the possibility of having this debt forgiven sounds too good to be true. However, it doesn’t have to be. Qualifying for loan forgiveness takes time, and it requires you to be very proactive during the application process.   So how do you qualify for a loan forgiveness program? A good …Read More

Ask an Expert: How do I begin to build credit?

Q:  How do I begin to build credit? Dear Reader, Building your credit, whether you are starting from scratch or recovering from past financial mistakes, requires time, dedication, and a strategy. Since you have already taken the first step by asking yourself this question, we will look at some of the next steps you can consider.   One credit building option to consider is a secured credit card. Secured credit …Read More

Ask an Expert: Should I try to move a negative mark on my credit report to my business credit report?

Q: Should I try to move a negative mark on my credit report to my business credit report? Dear reader, Small business experts always recommend separating business from personal finances so you don’t have to rely on personal credit to finance your business. Also, keeping them separate can help you prevent business liabilities affecting your personal life. Still, this can be tricky to do for small business owners. As you’ve experienced, …Read More

Ask an Expert: How can I improve my credit score?

Q: I recently checked my credit score using an online service and discovered that my score is below 600.  I believe my low scores are largely due to a few thousand dollars I have in collections with a handful of collection agencies from accounts I have accumulated over the past several years.  I want to pay off debt and improve my credit score.  What are some strategies I should consider? Dear reader, …Read More