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Ask an Expert: How does credit counseling affect my credit score?

  Q: How does credit counseling affect my credit score? A: Dear reader, I applaud you for recognizing the importance of a healthy credit score. A healthy credit rating can help lead to home ownership, auto financing and the lowest rates for credit cards. Working with a financial professional is a good way to learn ways that help you manage your debt to get the best results. Simply talking to …Read More

Understanding the Importance of a Credit Report

The Consumer Financial Protection Bureau (CFPB) releases a yearly summary of complaints related to the financial service industry, which includes credit reporting agencies. Based on a tally of all complaints submitted to the CFPB website in 2016, the greatest portion were about credit reporting issues. By the numbers, that comes to more than 43,000, or about 23% of the total 186,000 complaints. While the CFPB doesn’t collect data about how …Read More

Prepared for the Ongoing Expenses that Come With Getting a Pet as a Gift?

There are all sorts of gifts that can leave a lasting impression. Your first bike, the nice sweater from your parents, a new set of golf clubs and the latest tech gadget are all examples of presents that remain etched in your memory. Pets can easily fit into that category as well, especially for one reason that might be surprising to some. While nearly everyone melts at the sight of …Read More

5 Money Saving Tips For Holiday Spending

Lauren Lovett, Credit Counselor and Grant Writer for Navicore Solutions There is a reason the holiday season is referred to as the most wonderful time of the year. Spending time with loved ones, attending holiday parties, eating delicious food – It truly is wonderful! Unfortunately, this time of year can also bring on stress that inhibits many from enjoying the pleasures of the season. Much of that stress is often …Read More

Graduating This Year? Now’s the Time to Take Control of Your Financial Health

By Bruce McClary The average 2016 graduate has more than $37,000 in student debt- up 6% from last year and levels of delinquencies and defaults are alarming. For many borrowers, managing student loan repayment is one more financial burden they have to consider on top of housing costs, credit card payments, car loans and more. Many don’t know where to turn for help or are not paying attention to the …Read More

Soon to be Dads: Preparing for a New Baby

By Tara Carter Congratulations, you’re having a baby! Planning for a new child can be fun and exciting, and making sure you’re financially prepared is a huge part in ensuring you’re ready to bring baby home. One of the most important things to do when getting your finances together is to SAVE! Having money saved is not only smart for emergency purposes, it will also ease the stress of having …Read More

5 Ways You Could Be (Financially) Cheating on Your Partner

By Kurt Smith Learn more about Kurt on NerdWallet’s Ask An Advisor Do you think you and your partner are completely faithful to one another? There’s more than just physical and emotional infidelity to consider — there’s also financial infidelity. Financial cheating isn’t always obvious. Often we omit details or issues with our finances because they seem harmless, we think it’s something our partner shouldn’t have to worry about, or we’re nervous …Read More

4 Things Small Business Owners Should Do Before Fiscal Year End

By Odysseas Papadimitriou, CEO of WalletHub It might seem like the year’s just getting started, but it’s time to start thinking about the end, fiscally speaking, if you’re a small business owner. Most companies follow the general calendar and use December 31 to mark the end of a fiscal year. But many small businesses – plus nearly 25% of the S&P 500, according to company disclosures – stray from this norm, …Read More

Financial Education Workshops for Military Exceed Anticipated Demand

By Bruce McClary In January 2016 the National Foundation for Credit Counseling (NFCC) partnered with the American Library Association (ALA) to serve active members of the military, veterans and their families. NFCC member agencies are working with local libraries to offer financial education workshops that use the Wells Fargo Hands on Banking® for Military (HOBM) curriculum, access to personalized counseling, and other resources that help families reach their financial goals …Read More