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How Credit Utilization Affects Your Credit Score

How Credit Utilization Affects Your Credit Score

If you’ve been reading my column for any time now, you know how important your credit score can be. You also might know that there are several factors that affect how your score is formulated. Today, we’re going to talk about one of them – credit utilization – and...

Quick Tips on Writing a Hardship Letter

Quick Tips on Writing a Hardship Letter

The COVID-19 pandemic has affected nearly everyone on the planet to some degree. And while the economic impacts have been severe for people across the spectrum, those who were struggling even before it began have been hit especially hard. Reduced hours, lay-offs, or...

How Credit Utilization Affects Your Credit Score

Top Ten Signs of Debt Overload

In all areas of life, there are warning signs that tell us when something is wrong, and the same can be said for our financial life. According to financial experts, nearly 80% of Americans are in debt. That means about 8 in 10 Americans have some form of consumer...

How Credit Utilization Affects Your Credit Score

Simple Financial Tips for College Students

By Charlestien Harris In all my years of tackling the topic of financial literacy, I’ve found that understanding basic financial skills and concepts is critical for a successful financial future.  Almost everything we do as adults like earning money, budgeting,...

How Credit Utilization Affects Your Credit Score

Public Service Loan Forgiveness Program Explained

By Charlestien Harris Throughout the pandemic, many clients have asked about the Public Service Loan Forgiveness program and how their student loans will be affected.  The Public Service Loan Forgiveness program was created under the College Cost Reduction and...

How Credit Utilization Affects Your Credit Score

Understanding the Refundable Child Tax Credit

By Charlestien Harris The child tax credit is a very popular topic these days so I thought I would provide some details to help explain the tax credit to the general public.  What is the child tax credit is the first question.  According to the IRS’...

How Credit Utilization Affects Your Credit Score

Why Telephone Scams Often Target Seniors

By Charlestien Harris I am entering my sixties, so I am looking at financial issues that affect my age group more and more.  One of the most common issues is telephone scams. Telemarketing fraud is a multi-billion dollar business in the United States.  Every...