While many people think of Valentine’s Day as a day of love, this day doesn’t mean the same to everyone. And, indeed, many couples split during the weeks leading up to Valentine’s Day. If you are going through a split, it’s important to make sure you close join accounts — and accounts where your soon-to-be [...]
Protect Yourself in Divorce: Close Those Joint Accounts!
by Janet Hutchins on February 10, 2012 in Debt
Credit Utilization: An Important Part of Your Credit Score
by Janet Hutchins on November 4, 2011 in Personal Finance
It’s true that the most important part of your credit score is your payment history. If you want to maintain a good score, you need to pay your bills on time, and in full. However, this doesn’t mean that you should overlook your credit utilization. Indeed, you want to make sure that you keep your [...]
How to Get a Mortgage with a Low Credit Score
by Janet Hutchins on August 18, 2011 in Personal Finance
This is a guest post. Qualifying for a mortgage with a low credit score can be a difficult process. Most lenders are interested in your credit score, since it indicates your level of responsibility as a borrower. Your credit worthiness is judged by your credit score, and mortgage lenders assess your credit history in order [...]
Business Credit Card: Separating Personal Expenses from Business Expenses
by Janet Hutchins on June 21, 2011 in Credit Card Tips
One of the best ways to organize your finances so that your business expenses are easier to track is to make sure that they are separate from your personal expenses. Mixing up business expenses with personal expenses can get messy come tax time. One way to make sure that you are keeping everything separate is [...]
2010 Year-end Carnival of Credit Card Blog Posts
by Janet Hutchins on December 31, 2010 in News, Reviews
In honour of an exciting year for credit cards, we bring to you our “2010 Carnival of Credit Card Blog Posts” Our Top 10 Credit Posts of the Year We’ve been covering developments in the world of credit this year with a great deal of interest. Here are 10 of our top posts: Online Spending [...]
A Secured Credit Card Can Help Improve Your Credit Score
by Janet Hutchins on October 26, 2010 in Credit Card Tips, Personal Finance
There is no doubt that your credit score is one of the most important aspects of your finances. A good credit score is vital to ensuring a number of financial benefits, including loan approval and the best interest rates. If you have poor credit, though, you need to find a way to improve your credit [...]
How to Rebuild Your Credit
by Janet Hutchins on October 22, 2010 in Debt, Personal Finance
As you probably already know, your credit score and credit report are both important. Your credit history serves as a way for lenders to make decisions about you, and a poor credit score could mean difficult getting a home loan. You might even have trouble getting a good rate on a credit card. The good [...]
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Farhaneh Haque: Excellent read - I find that people are sometimes ...
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Farhaneh Haque: Great piece! Debt reduction is an important finan...
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Janet Hutchins: Here are some resources to help you access your cr...
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Theresa: I think the new money feels weird. but is kinda co...
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Barry TSP: I'd like to know where I can check my credit repor...
