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7 Credit Lessons You Can Learn from ‘The Mandalorian’

The following is a guest post by Jessica Larson, SolopreneurJournal.com Gaining a reputation and establishing credit are really two sides of the same proverbial coin, and it’s hard to find anyone with a more solid reputation than Din Djarin, the title character in the hit Star Wars series “The Mandalorian.” So it only makes sense that, when it comes to building and maintaining credit, there’s plenty to learn from old Mando and his cohorts. After all, principles like honor and dependability are the same whether you’re living life on modern planet Earth or fighting the good fight long ago in a galaxy far far away. With that in mind, here’s some wisdom you can gain from the Disney+ series and … Read more

How to Save a Fortune Using Coupons and Loyalty Cards

by Hank Coleman

You can save using coupons. I struggle with it though. I throw them away actually. I don’t mean to throw away coupons. It just happens. I stick them in my pocket, wait in line, go to the register and forget to use them. I also don’t return to the store and ask for my missed discount. You might think that it’s not such a big deal. What’s a dollar here or there? But, like most small things, these missing savings can add up over time. Have you ever looked at the savings printed on the bottom of your grocery receipt? What if you forget your loyalty card and coupons more often than not? We’re talking about some serious money if this … Read more

How Long Does It Take to Rebuild Credit?

by Hank Coleman

If you’ve gone through a rough few months (or years) and your credit score has taken a serious hit as a result of problematic spending, missed payments, too much debt or other common financial problems, then you’re not alone. As many as 12% of Americans have credit scores lower than 550 and over 50 million Americans don’t have a credit score at all. Of course, shared credit woes are not valid reasons for sitting back and doing nothing while your credit score plunges into the “fair” or “poor” ranges. Instead, you should do everything possible to get that score back into the good/excellent ranges. How long will it take you to get back into “safe” credit score territory? Let’s explore … Read more

Self Lender Review – An Easy Way to Build Credit

by Hank Coleman

If you’re not thrilled with your current credit score or you’re struggling to get access to credit at all due to a lack of credit history, then, fortunately, there are some options available for people seem to be stuck between a rock and a hard place like you are. After all, having a bad credit score can affect seemingly everything – rental applications, access to low-interest financing options, and even your love life – so getting your credit score back in shape should be a major priority. One innovative option for folks with no/bad credit is Self Lender, which lets you make regular payments on a fixed amount for 12-24 months and cash out later. Although there is a nominal … Read more

Top 7 Surprising Things that Can Significantly Impact Your Credit Score

by Hank Coleman

Top 5 Times When Your Credit Score Matters The Most

Credit scoring models and factors that do/don’t influence your credit score are confusing concepts for many consumers, especially with recent changes to scoring practices (e.g., medical debt no longer factoring into credit scores). You probably already know of the major factors influencing your credit score – low credit utilization, on-time payment history, etc. – but what about the little-known factors that could also impact your credit score? Things That Impact Your Credit Score Let’s take a closer look at 7 surprising things that can affect your credit score for better or for worse. Paying Off a Major Loan A common reason why credit scores drop and impact your credit score involves the closure of an account, such as when you … Read more

Review of the Figure Home Equity Line of Credit

by Hank Coleman

Millennials and Home Ownership - Do Millennials Need to Buy Homes?

It’s no wonder home ownership is such a desirable attainment in the U.S. – there are too many benefits to owning your own home as opposed to leasing your primary residence from a landlord. For instance, tenants continuously pay rent, month after month, without ever seeing that money again. On the flip side, home ownership allows you to build equity – the value of what you truly own – over time, until you either sell the property (hopefully for a higher price than what you initially paid) or pay off your mortgage loan and own the property outright. Another advantage to home ownership is that you can borrow against this build-up of equity if/when you need additional cash for anything … Read more