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Right now, the one I have only comes with a $500 limit, and I’m wondering if that’s typical or if it might hold me back in terms of building my credit. Does starting out with such a small limit really make a difference in how effective the card is for improving my score, or is it more about how...

I’ve just finished paying off 4 of my 6 credit cards, and now I’m thinking about closing them. My dad told me that if I just call the bank and ask to cancel, they might not actually follow through. He suggested I send a letter or email so there’s written proof. Is that really necessary? Also...

My credit score has been stuck in the low 600s ever since a medical bill collection went sideways a few years ago. I’ve been paying all my bills on time since then, but it hasn’t really moved much. Lately, I’ve been seeing ads for different credit repair services in Florida, but I can’t tell if...

I’ve been doing some research on DIY ways to fix my credit and came across a few credit repair kits being sold online some are digital downloads, others are full printed packages. They usually claim to include dispute letter templates, credit report checklists, step-by-step instructions, and...

Hi I was planning to finance a car for personal use when I came across the term “novated leasing.” From what I’ve gathered through a quick Google search, it’s a setup where your employer pays for the car from your pre-tax salary, which can help reduce your taxable income. That sounds great in...

I’m trying to decide between turbotax and taxslayer for filing my taxes this year. I used TurboTax before, but the fees added up quickly, so i’m wondering if taxslayer is a more affordable option.

i've been researching credit repair services, and one of the biggest questions on my mind is: how much does credit repair cost From what i have found, credit repair companies usually charge in two ways: Monthly Plans: $50 - $150 per month, depending on the service level Pay-Per-Delete: $30 -...

I’ve always been interested in finance and I recently started learning about credit repair. It seems like a great way to help people and even start a business but am not sure where to begin. Do I need certification to work as a credit repair specialist? Are there any online courses or books...

I finally paid off all my student loans! It was a long road, but seeing my credit score jump over 100 points feels amazing. Now, I'm tackling other areas to further improve my credit. Recently, I received a collection notice from Southwest Credit Systems for a $106.78 Comcast cable bill. This...

I’ve read leasing can offer lower monthly payments and flexibility, but you don’t own the car in the end. On the other hand, buying seems more cost-effective in the long run if you keep the car for years. Are there any key stats or details I should consider, like depreciation rates or mileage...