Category: Financial Security
Protecting your credit accounts and your credit score can have a huge effect on your financial well-being. For example, your credit score is a major factor in determining what your interest rate on a loan will be—if you take out a $200,000 loan to purchase a home, the seemingly miniscule difference between a 4% and 5% interest rate ends up being about $42,773 over the course of 30 years. Credit monitoring services can help you manage your credit score so you can meet your financial goals and watch out for fraud that results from identity theft…
Credit Sesame analyzes your credit score and gives you ways to improve it. With some of the upgraded membership levels, you can also get help resolving credit report inaccuracies, lost or stolen wallet protection, and personal identity monitoring. Credit Sesame is the right company for you if you want to actively monitor your credit, set financial goals, and explore your options to improve your score.
myFICO is the consumer division of FICO, the company that essentially invented the credit score. But does a name brand equal a better credit monitoring service? myFICO offers excellent credit monitoring and identity theft prevention, but it is a bit pricier than some of its competitors, which knocks it down to our sixth-best credit monitoring company. In this article, we’ll take a look at exactly what myFICO does to help you stay on top of your credit and identity so you can decide for yourself whether it’s worth the higher price tag…
Online shopping has a lot of perks: you can save money, avoid hordes of people at the mall, and stay in your sweatpants, to name a few. But taking advantage of cyber deals also carries risks, which you should be aware of to make sure you stay safe while shopping online. Here are some tips for smart internet shopping to help you stay safe and get your orders delivered without a fuss. ..
If anyone depends on you for financial support, then getting a life insurance policy is not a question of whether you should, but how much you should get. While there are several factors to consider, including your age and health, income, family and dependents, and business circumstances, determining how much life insurance to get doesn’t have to be overwhelming or complicated, especially with the…
Identity theft—it’s not going to happen to you, right? Unfortunately, identity theft is on the rise, and a growing number of people are discovering just how seriously it can affect your finances, especially your credit rating. Reporting and repairing the damage seems daunting, but we’re here to guide you through the process. Check your credit report. As soon as you notice any signs that you…
RFID protection has become a bit of a buzzword when it comes to personal security, as RFID-blocking wallets, sleeves, cases, and covers are growing in popularity and availability. What is this technology and what does it mean for you? We have those answers, plus a list of products to consider if you are looking for a way to add some extra protection to your information.
If you’ve gotten a new credit or debit card recently, you may have noticed a new small metallic square on one side. This is an EMV chip, a computer microchip that’s making your credit card transactions more secure. EMV chip cards work a little differently from the credit cards you’re used to swiping, but the […]
Imagine going to the grocery store and having your card declined. You call the bank only to find out that there have been thousands of dollars in transactions made to your account and now you have no money. Now imagine this has happened to your parent or grandparent. Financial scams are crimes that often go […]
Lending Club is one of the largest online lending companies that uses a peer-to-peer (P2P) platform to extend personal loans, business loans, and business lines of credit. They have helped hundreds of thousands of borrowers obtain over $16 billion in loans since 2007; in fact, over $2.5 billion in loans were issued just during the last quarter of 2015. They are a well-established business…
Borrowing: How it works. Because Prosper uses a P2P platform, the process for obtaining a loan has a few more steps than a traditional loan: Fill out an online application. Prosper reviews your information and if you qualify for a loan, they assign you a Prosper Rating and offer some loan term options. Pick from your loan term options (loan amount, interest rate, 3- or 5-year repayment length) and fill out the paperwork…
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