by Tom Drake | Credit and Debt, Finance, Investing, Retirement
For many consumers, one of the biggest repository of assets is the retirement account. Even if you have a house (which is also a large asset), the 401k might be a little more accessible. When you get a 401k loan, you access relatively liquid funds, and this type of...
by Kevin Mercadante | Credit and Debt, Finance
Unless you actually work in the lending business, you may think of co-signing a loan as being a casual arrangement. It is something that you will do for a family member or friend in order to help them establish credit, rebuild credit, purchase something they truly...
by Kevin Mercadante | Credit and Debt, Finance
Paying off debt is always a good idea, but now might be the best time ever to make it happen. The interest rate environment is in a state of flux, and could remove many of the advantages that have come with borrowing in the past few years. The era of record low rates...
by Miranda | Credit and Debt, Finance, Investing, Real Estate
Not too long ago, I refinanced my home to a new, lower interest rate. The rate is below 4%, which is a vast improvement over what it was before. With the monthly savings, and the fact that we are now making bi-weekly mortgage payments, I feel pretty good about the...
by Miranda | Credit and Debt, Finance, Personal Finance
I’m in the process of getting a refinance. As part of the good times, my credit report was pulled. One of the ongoing frustrations with my credit report is all the double-reported loans. This was a problem when we applied for our mortgage seven years ago, and it...
by Kevin Mercadante | Credit and Debt, Finance
There are more errors on credit reports than most of us realize. This is often true because we are never consulted about the information that’s placed on our credit reports. The credit reporting agencies never contact us to verify that the information they have...
