Your credit score may be critically important when it comes to securing a home loan or an auto loan. To assist you in the process, you should keep track of your score at the three major credit reporting companies.

If you do not have a credit history, you may think it is terrible. However, having no credit is not the same as having bad credit. Let us look at the differences between the two.

When you go shopping, you will notice that you have a choice of brands on just about any type of item. Often, you will also find your selection of store brands and generic brands that may offer a significant discount.

Be sure not to confuse store brand with a generic brand. You can usually distinguish the two by their packaging. The store brand may closely resemble an advertised brand but just be a name you aren't familiar with. Generic product packaging is usually much more plain. A can of soda might just be labeled “Cola.”

Are store brands, often called “private label’, worth the money? Let us look at store and generic brands versus name brand items and see how they are different.

Ghosts, ghouls, witches, and goblins. It looks like Halloween is just around the corner!

Halloween may be the most fun holiday for the whole family. However, if you want to make the most of your next Halloween without busting your budget, then you may want to check out the following savings ideas.

Having good credit is critical when it comes to getting a home or a car loan. Sadly, many young adults have less than perfect credit or no credit at all. This can make major purchases difficult and costly.
If you have a young adult or child close to becoming an adult, you can take some steps to help establish their credit. Here are seven steps that you can take starting today.

Credit cards can be a great way to make purchases and gain some excellent perks. However, credit cards can become a nightmare if handled incorrectly.

In fact, there is about $784 billion in outstanding credit card balances in the United States, and only 45% of credit card holders pay off their balance each month.

Want to make sure that you use your credit card correctly?

When you enter college, this may be the first time you will have control of your life. That includes taking care of your own money. That is why it is important not to make financial mistakes that could take you years to recover from. 

 Here is a look at ten of the top financial mistakes people make in college and how to avoid them. 

Have you ever wondered why your money is short at the end of the month? Chances are, there was some unexpected spending that sabotaged your bank account. Here, we will show you some ways you can avoid unbudgeted spending and keep your budget on the right track.

Football season is almost here. That means it is time to hit the road and check out the latest tailgating fun. You don’t need to spend lots of money to enjoy some good tailgating fun. Here are 15 ways that you can save during your next tailgating event.

If you are looking to get cash for that emergency car repair or simply have no more room on your credit card, an online loan might be one of the easiest ways to get the cash you need.

With an online loan, you do not have to leave the house, go to a bank, or meet with a lender. You can complete the online loan application from your computer or even from your smartphone, generally, the process can take just minutes to complete.

So, what steps should you take to get an online loan? Here is a look at how you can secure your online loan fast and get the cash you need.

You may not know that there are two types of credit inquiries - soft inquiries and hard inquiries. Soft credit inquires, also often referred to as soft credit pulls and they don't affect your credit. Soft credit inquires are created when a company inquires on your credit to determine if credit could be extended. Hard credit inquiries are generated when you attempt to open a new line of credit. Hard credit inquiries, also referred to as hard credit pulls, are reported to the three national credit bureaus and could lower your credit score. Your permission is required for a hard credit inquiry

So how does each type of credit inquiry impact your credit score?

Well, let us look at both hard inquiries and soft inquiries, their differences, and how they impact your credit score.