Latest Finance Articles and Promotions

Credit Union of Denver (CO) offering $200 Cash Back on Auto or Motorcycle Refinance Loan

Credit Union of Denver logoSecuring the most affordable financing for a new or used vehicle purchase often requires shopping around. Financial institutions and dealerships offer vehicle financing with various rates and terms, depending on credit history, the age of the vehicle, and the total loan amount. If the original auto loan isn’t quite up to par in terms of affordability, refinancing can be a smart move.

Posted on January 18, 2017 by Melissa

TrueIdentity – Free Identity Theft Protection and TransUnion Credit Report

TrueIdentity logoIdentity theft is a growing concern for millions of consumers given the way we conduct some if not all of our financial transactions – online, on the phone, or by mail. In a study conducted by Javelin Strategy & Research, it was found that more than 13.1 million U.S. consumers experienced some degree of identity theft in 2015 alone, equalling $15 billion in fraudulent transactions. In some cases, credit accounts and home loans were opened in someone’s name without their knowledge or consent, while in others, bank account information was taken and used for someone else’s benefit. Identity theft can have a lasting impact on your credit and ultimately lead to a loss of time, energy, and money if it is not caught and subsequently corrected in a short period of time.

Posted on January 17, 2017 by Melissa

5 Top Credit Repair Companies – Improve Your Credit Report and Score

Hand cleaning word credit with spongeHaving a spotted credit history is an unfortunate circumstance that can affect anyone. A missed payment (or two), a bankruptcy filing, or an account in collections all have a negative impact on your financial reputation, represented by your credit history and score. Bad credit gives future lenders, employers, and insurance companies a reason to deny your application for new credit, a new job, or a new insurance policy since you are deemed a higher risk than someone with healthy credit.

Posted on January 16, 2017 by Melissa

Paying Down Debt vs. Investing: Which is Right for You?

Debt, books and piggy bank atop desk with chalkboard in backgroundAt some point in most individual’s financial life, the question of whether paying off debt or saving and investing rears its confusing, sometimes ugly head. The dilemma is complicated by the fact that debt often comes at a price, while investing boasts a return on your money that will pay off well into the future. While everyone’s circumstances are different, determining whether to pay off debt or invest for the long-term can be made far simpler by asking yourself the following questions.

Posted on January 13, 2017 by Melissa

3 Top Debt Relief Companies – Taxes, Credit Cards, and Other Unsecured Debt

Business man writing debt relief in conference roomGetting in over your head with debt can happen for a variety of reasons: unexpected (big) medical bills, tax debts, and overdoing it with credit card purchases. Each one of these common debt issues may require some degree of outside assistance to help get you back on the right path toward financial health. If you’re struggling with debt in the form of taxes, credit cards, or other unsecured debt, it’s beneficial to know which debt relief companies are able to ease some of the financial burdens.

Posted on January 12, 2017 by Melissa

Discover Cardholders: Why You Should Use Discover Deals when You Buy Online

Woman deal shopping online with laptop and credit cardCredit card issuers are constantly changing the perks and rewards offered to cardholders to entice them to stay loyal to one brand over another. Whether it’s cash back or frequent flyer miles, rewards credit cards can pay off exponentially when you know how to use the system. For Discover cardholders, an added bonus is designed specifically for the savvy online shopper. Even if you aren’t a bargain hunter extraordinaire, Discover Deals is a smart way to go about spending with some of your favorite retailers.

Posted on January 11, 2017 by Melissa

Struggling with Substantial Debt – Common Options for Debt Relief

Writing debt relief and circling it in the skyBeing responsible with money doesn’t come naturally to everyone. Mistakes are made, especially early on in life, like missed or late payments, overextending yourself when it comes to every day or major purchased on credit, and ignoring missteps to the point they harm your credit. When debt becomes too much to handle, the idea of dealing with it is likely to be overwhelming. However, there are several options for debt relief that can lend a necessary hand in correcting the course of your financial life.

Posted on January 10, 2017 by Melissa

Federal Housing Finance Agency Increases Maximum Conventional Loan Limits for 2017

Woman signing mortgage documents to purchase a homeFor the first time in just over a decade, the Federal Housing Finance Agency (FHFA) announced an increase to the mortgage loan limits placed on conforming single-family mortgages starting in 2017. The change affects mortgages acquired by Fannie Mae and Freddie Mac, and the increase is the first adjustment to the baseline loan limit since 2006.

Posted on January 9, 2017 by Melissa

Tips for Paying off Your Holiday Credit Card Balances

Upset woman holding head and credit card with Christmas tree in backgroundOn average, we spend just under $1,500 per year in holiday expenses alone. The airlines boost prices around the end of the year, gifts are needed for everyone from family to friends and co-workers, end-of-year charitable contribution asks come in steadily, and let’s not forget about the countless holiday soiree invitations that flood your inbox. Each of these common holiday activities cost something, and if you’re not prepared with extra savings or a cushion in your checking account, credit card spending is the next best option.

Posted on January 6, 2017 by Melissa

How to Get an Auto Loan after Bankruptcy

Blonde woman in car with thumbs up holding keysAsking the courts to dissolve your past debt into nothingness through the bankruptcy process is not an easy choice or a quick solution. It takes time and effort to determine if bankruptcy is the right solution for your financial woes, and it has the potential to leave you high and dry once the process is complete. New lenders often look at bankruptcy, which remains on your credit profile for years into the future, as a negative aspect of your previous financial life. However, there are ways to move forward with new credit after the bankruptcy process is said and done.

Posted on January 5, 2017 by Melissa

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