Hub News

Tips for Avoiding the Dangers of Credit Card Debt

Credit cards can be great for your financial health, but they also carry with them a host of dangers. Even if you’re an experienced credit card user, you could still find yourself in hot water. Read on to learn how

Are You Spotting ‘Gray Charges’ On Your Credit Card Statement?

Do you carefully examine your credit card statement each month? If you don’t, you could be missing sneaky charges. When you make purchases online, many companies include fees or service charges that aren’t clearly listed in the pricing information –

Understanding Private Mortgage Insurance

The mortgage loan process is a lot like wading through alphabet soup, and “PMI” is a commonly used acronym that every mortgage holder should understand. Private Mortgage Insurance is a type of insurance that protects the lender in certain mortgage

Mortgage Loans 101: What New Buyers Need to Know

Buying your first home is an exciting step, but it can also be fraught with confusion. In particular, understanding everything you need to know about the mortgage application and loan process can seem like an uphill battle. If you feel

How Missing Payments Affect Your Credit

Missing loan payments can affect your credit in many ways. Here is the process of how late payments work: Late payments are reported on day 30, 60, 90, 120, 150, and 180, which are negative marks on your credit score.

The Sneaky Truth Behind Pre-Approved Credit Card Offers

If you receive pre-approved credit card offers in the mail, you may be wondering where they come from. Keep in mind that receiving a preapproved credit card offer does not impact your credit score. So you’re safe there. But, accepting

How Peer To Peer Loans Can Work With Bad Credit

Peer to peer lending is an online platform that allows you to borrow directly from an individual instead of from an institution. Peer to peer lending is growing in popularity because it’s a simple process that’s a win-win for borrowers

Two Debt Repayment Strategies

Do you want to pay down your debt fast without going broke? Here are two strategies to try: •Debt avalanche: Here’s how the debt avalanche strategy work: You pick the debt with the highest interest rate and pay that one

Why Applying For A loan At A Credit Union Is A Good Option

Credit unions are similar to banks but are owned by their members. That’s why when applying for a loan they make a great option because they are nonprofit organizations that pass along earnings to members in the form of lower

Why You May Be Getting A Flood Of Pre-Approved Loan Offers In The Mail

If you’re getting a bunch of pre-approved offers in your inbox, you may be wondering why. These companies simply ran some basic info about you and have guessed that you are likely able to pay it back. This doesn’t mean

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