CREDIT & DEBT MANAGEMENT

You may be considering building your credit history. To build a credit history requires opening a credit line. Sincerely speaking, credit cards are one of the best ways to quickly build one. But, credit cards are not free though. You get in debts using them. Right? Hence, why Chime credit card builder was made to …

Does Chime Credit Card Builder Work?Read More

When you check your credit score from different credit reports, it will vary. This is because each credit report has a system of rating your credit worthiness. As a result, the number will vary slightly or widely depending on the credit rating type you are looking. Currently, there are two main credit rating models used …

Is FICO Credit Score Accurate?Read More

A while ago, I wrote about how your employer tuition reimbursement could smash your debts. For the average working class adult, this is important since it helps you acquire additional skills at no cost or debts to you. The best part of education assistance programs by employer, is you rarely pay back a dime. Most …

Is Tuition Reimbursement Taxable? – A Working Class PerspectiveRead More

I used to be the kind of guy who hates borrowing. This is until a few weeks ago, when I had to borrow money from Cash App. This is because my bank’s debit card got declined in a Starbuck’s cafe at work. As a black man- I am self conscious about my debit card getting …

How To Borrow Money From Cash App- A Personal ReviewRead More

A credit score of 750 is what most young working class adults dream about. In my twenties, I was proactive about getting up to that special range. This is because it opens opportunities for you, especially when you are trying to get a purchase financed. And, it was harder than saving my first $2000 in …

How To Get Above 750 Credit ScoreRead More

Apartment complexes check the credit of anyone trying to rent a living space. This is especially big apartment complexes who want consistency in monthly rent remittance. Some independent ones do rental credit checks too. It is a good way to avoid potential drama with people who have a difficult time making rent. Hence, the credit …

What Credit Bureau Do Apartments Use For Credit CheckRead More