You walk into the dealership. You meet the salesperson. You test drive the car. You love it. You fill out the application. You wait. You wait some more. You really love that car. You see your family in it, taking trips and having fun. The salesperson returns. You are denied. Cue the sound of a sad trombone.
For the first time in a long time, it actually feels good to put gas in the tank. You’re probably saving a decent amount of money due to the current low cost of fuel, and you may be wondering what you should do with the extra cash. Since, unfortunately, these cheap gas prices won’t last forever how can you take advantage of it now?
We agree with the Illinois CPA Society that the New Year is a good time to take the following advice: step back and assess your financial situation for the coming year and resolve to make it as good as you can.
Two free credit scores are more than twice as good as one and should give borrowers an idea of where they stand, credit-wise. This plus the ability to view two credit reports at any time makes an even stronger case for consumers to sign up with Credit Karma.
If you’re like a lot of Americans, you probably have big plans for your next tax return. You may be planning to use this extra cash as a down payment on a car, truck or SUV, and that’s a good idea. A down payment will be helpful when you’re buying your next vehicle, but getting your credit in shape will be even more beneficial.
When it comes to your credit report, one bad thing that stands out against an otherwise tranquil history looks a lot different than the repeated black marks of serial delinquency and non-payment. How your credit fairs should tell you how much you need to worry.