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Start a Business: 8 Steps to Turn Your Idea into a Working Business

Start a Business: 8 Steps to Turn Your Idea into a Working Business

by Your Credit Report | Oct 15, 2020 | Make Money

Have you ever had a business idea that was so groundbreaking, so profound, that you knew it could change your life and impact markets on a local or global scale? We’ve all had those “eureka” moments when it comes to thinking of business ideas. Maybe it was you and a...

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Retirement

Retirement Saving 101 : What, Where and When

August 10, 2020
Saving for retirement is probably one of the last things on your mind right now. We all know that we should start but with so many other things on our plates it tends to get left on the back burner. Let’s take a look at the basics of retirem...
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Investing

Invest With Low Capital: The Best Ways

August 10, 2020
For a lot of us “investing” is something done by Wall Street bankers and big business players in dark suits behind closed doors, not normal people like us. But that is not and has never been the case! Investments don’t require mi...
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Home Buying

Your Credit Scores Impact On Your Mortgage Rate

August 5, 2020
Credit scores have a large impact on how lenders view you when you apply for any loan, especially a large loan like a mortgage. The rule of thumb is that the higher your credit score the lower your interest rate will be. So having a high credit sc...
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When Should You Start Investing for Retirement?

February 11, 2021
Investing 101 The younger you start the better Company-sponsored 401(k) Let the experts manage your money How much should you invest every month? Don’t panic about a market downturn! Aggressive or conservative investments? Get started today ...
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Uncategorized

Understanding Different Types of Credit Cards

February 5, 2021
Did you know there are many different types of credit cards available today? This makes knowing which type of credit card will best suit your individual needs a little more complicated. After all, are you looking for cash back, travel rewards, low...
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Uncategorized

YCR-Tax Season is Just Around the Corner

February 4, 2021
It’s a new year, but don’t expect an automatic income tax extension as we saw in 2020. Find your previous tax returns Organize your tax documents and information Determine your tax bracket File an extension if necessary Use guided Tax ...
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IRA's are something you've seen in a finance textb IRA's are something you've seen in a finance textbook and skipped over, right? Well, we've simplified it for you right here. Check it out! #IRA #finance #financialliteracy
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Don’t apply for multiple credit cards or loans a Don’t apply for multiple credit cards or loans at once – lenders will do what is called a “hard inquiry” on your credit report and that will slowly chip away at your credit score. When you are first building credit take it slow and steady and space out your credit applications.
It’s important to know your score and monitor yo It’s important to know your score and monitor your credit report, you need a clearly see that roadmap to your financial goals and keep your credit in check because when it comes time to buy your house or get a car, your credit score will dictate your interest rate and a low rate could save you thousands of dollars over the course of your loan
You should be reviewing your credit pretty frequen You should be reviewing your credit pretty frequently, there are SO MANY tools available to keep track of your score to know where you stand. Head to our website to learn about which one fits your needs best
Keep credit utilization low – it’s a smart ide Keep credit utilization low – it’s a smart idea to use less than 30% of your available credit. If your limit is $10,000, use less than $3,000 once you push over that 30% you'll start to see your score drop
Keeping an account open that you don't plan on usi Keeping an account open that you don't plan on using anymore, maybe you bought a TV from a big box store and don't plan to buy anything else, will help to keep your limit of available credit high which makes you look good overall, the lender will eventually close it for inactivity and that won't negatively affect you
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