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How many credit cards should I have?
The easy answer to this is, it doesn’t really matter. Most people have several lines of credit on their credit scores, including retail, general, gas, ect. One person may have 10 credit cards open and almost no revolving debt; another might only have 3 but they have high balances and frequent late payments. In this case the number of cards isn’t very important- the balance and payment history are.
Why would I need a budget?
If you and your family want financial security, following a budget is the only answer.
· It helps you figure out your long term goals and work toward them. If you drive through life throwing $ at every shiny object that happens to catch your eye how will you save for a car, take a trip or put money down on house to name a few?
· It ensures you don't spend money you don’t have.
· It leads to a happy retirement.
· It helps to prepare for emergencies
Sheds light on bad spending habits
Why would I need Credit Repair
Inaccurate credit reporting plagues many Americans. Statistics show that 1 in 5 consumers had credit report errors that could effect their credit score. These errors can be caused by anything from simple typos to identifying theft. Whatever the source, mistakes in a credit report can have devastating effects on a consumer's ability to access credit.
Luckily we can help you monitor and fix your credit report.