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Blog Archives

Truth in Lending: Three Main Statutes that Protect Consumers

To protect consumers, some protections and laws have been put in place. Below we discuss three that pertain to debt collection, telemarketing, and fair credit reporting practices. What is the Fair Debt Collection Practices Act (FDCPA) The Fair Debt Collection Practices Act (FDCPA) is the federal law that governs how third-party debt collectors attempt to recover debts owed by consumers on behalf of another person or entity. The law dictates …Read More

Join Our #SmallBizMoney Twitter Party on Monday, July 16th at 3pm ET for a Chance to Win Prizes!

Follow #SmallBizMoney as we discuss How to Plan and Budget During the Slow Months for Small Business Owners!  We will be joined by @JayDesMarteau of @TDNews_US! Make plans to join our #SmallBizMoney Twitter Chat on Monday, July 16th at 3pm EDT as we discuss Small Business Owner Tips, Tools, and Resources for Budgeting for the Slow Months! There will be 2 chances to win an Amazon gift card!  1-$50 Amazon gift …Read More

Debt Tips for Veterans

When you’re in debt, it can feel like you’re never going to climb your way out. Toss in the challenge of transitioning out of the military and into a new chapter of your life, and debt can seem even more insurmountable.   In a recent survey of military and veteran family members by the Military Family Advisory Network, more than 90 percent of respondents reported facing some form of debt. …Read More

5 FAQs on How to Improve Your Credit Score

A common question people often ask is, “How can I improve my credit?” Since credit can impact many things, including: employment, down payments, interest rates, utility deposits, and even car insurance, improving your credit can help you in a lot of ways. With all of the information floating around out there, we want to make sure you have all the correct answers to the questions below!   5 Frequently Asked …Read More

The Benefits of Credit Counseling

NFCC-certified consumer credit counselors are experts that can tailor confidential programs to meet the specific financial needs that you may be facing. They are equipped to help you with an array of financial issues,whether you need help paying off debt, managing your student loans or help understanding your specific financial situation. They are here to help so you can get on the road to financial freedom. Services available at our …Read More

How to Get a Small Business Loan Even if you Have Bad Credit

It’s no secret that finding small business financing can be an arduous process. And beyond everything else you hear you need in order to qualify for a loan, there always seems to be that one non-negotiable: a good credit score. While having good credit certainly makes it easier to qualify for a small business loan, it’s time to dispel the myth that you won’t be able to find business financing without …Read More

Succeeding as an Employer Fuels Business Success

Even in the best of job markets, when your staff is small every person you add can have an oversized impact on your budget, your firm’s culture, and its productivity. So, as you grow, what can you do to attract and hire the right employees and retain those you may already have? The short answer is trust. Showing it, earning it, and making the honesty that supports it part of …Read More

NFCC Hosting the #CreditCrew Twitter Chat with Equifax, Experian, and Transunion Thursday, Feb. 15 @ 4PM EST!

Do you have questions about credit reports and credit scores? Join us as we host the #CreditCrew Twitter chat featuring Equifax, Experian and TransUnion on Thursday, February 15th at 4p.m. ET. This chat will cover some of the most commonly asked questions about credit reports and credit scores. For an easy way to follow along and participate click here. Topic:  Credit 101 Host:  The National Foundation for Credit Counseling (NFCC) Questions We’ll Discuss: Q1: What is the difference …Read More

Data Security: 7 Ways to Safeguard Your Customers

It may not seem like the data your small business accumulates would be sufficient to draw the attention of cyber criminals. But, data hacking is a growing concern for businesses of all sizes. In fact, half of all U.S. small businesses were targeted by phishing attacks in 2016, according to one industry survey. Taking that bait can be costly in dollars and reputation. Fortunately, there are a number of practices …Read More

Tax Reform: How It May Impact Your Business

Typically, the first few months of the year are the perfect time to gather financial statements and receipts to prepare for tax season, and to prepare for the year ahead. However, with the passage of the Tax Cuts and Jobs Act (TCJA) in late December, many business owners—big and small—may find themselves caught off guard. The changes, which impact all U.S. taxpayers, are numerous and even the tax professionals are …Read More