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Credit Repair Support

Po Box 1472
Paragould, AR 72450
Hours:
Mon – Fri: 8:00am – 6pm CST

Funding Support

Po Box 1472
Paragould, AR 72450
Hours:
Mon – Fri: 9:00am – 6pm CST

Affiliate Support

Po Box 1472
Paragould, AR 72450
Hours:
Mon – Fri: 9:00am – 6pm CST

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A semi-realistic, 2D cartoon-style image of a professional character with glasses seated at a desk, surrounded by financial documents, charts, and a laptop displaying information related to 'Hard Inquiry vs. Soft Inquiry: What’s the Difference?' The character has a friendly, thoughtful expression, set in a cozy office environment with bookshelves, plants, and office decor. The clean, minimal shading style provides a professional yet approachable atmosphere, highlighting the concept of credit inquiries.

Hard Inquiry vs. Soft Inquiry: What’s the Difference? Understanding credit inquiries is essential when managing your credit health. Both hard and soft inquiries appear on your credit report, yet they differ in purpose and impact. Let's explore the key differences in a hard inquiry vs. soft inquiry, including when each type occurs and how they …

A semi-realistic, 2D cartoon-style image of a professional character with glasses holding a document labeled 'Brokerage Account.' The character, seated at a desk, is surrounded by financial elements like charts, stock icons, and documents representing investments. The background features office decor, including a plant and bookshelf, with flat colors and minimal shading to maintain a 2D look, making the concept of a brokerage account clear and accessible.

A brokerage account is an investment account that allows you to invest your money in stocks, bonds, mutual funds, ETFs, brokered CDs, and money market funds. Unlike retirement accounts like a 401(k) or IRA, brokerage accounts provide flexibility for contributions and withdrawals without specific tax advantages or penalties. With a brokerage account, you have the …

Cartoon-style image of a person wearing glasses, sitting at a desk with a computer displaying an auto loan application. The character looks thoughtful, with a car and floating dollar signs in the background, representing the decision-making process of getting an online auto loan.

When purchasing a car, you generally have two main financing options: securing a loan through a bank (or credit union) or opting for dealership financing. While dealership financing has its advantages, securing a loan from a bank or credit union allows you to sidestep the dealership as a middleman. One option that is growing in …

Cartoon-style image of a person wearing glasses, sitting at a desk with a mortgage document and calculator, holding a pen and looking thoughtful, symbolizing the negotiation process for mortgage rates. In the background, a house and percentage symbols emphasize the concept of mortgage rate negotiation.

When you're financing a new home or refinancing an existing mortgage, finding the best mortgage rate is crucial. The good news is that you can negotiate mortgage rates to get a better deal. With careful preparation and smart tactics, you may save thousands over the life of your loan. Here’s how you can navigate the …

Cartoon-style image of a person wearing glasses, holding a checklist titled '7 Tips to Avoid Holiday Scams.' The character looks cautious, standing in front of a holiday-themed background with festive lights, gift boxes, and red warning symbols, representing the importance of staying vigilant against holiday scams.

The holiday season brings joy, family time, and gift-giving, but it also increases the risk of scams and identity theft. As you juggle your to-do list and manage holiday expenses, fraudsters may see an opportunity to target you. To stay safe, follow these 7 tips to avoid holiday scams and protect your identity in 2024. …

Cartoon-style image of a person wearing glasses, standing in front of a timeline with highlighted ages such as 18, 21, and 25. The character holds a credit card and looks thoughtful, considering the best age to get one. Symbols like dollar signs, credit scores, and a calendar appear in the background, representing financial growth and responsibility.

Deciding when to get your first credit card is an important financial decision. While the minimum age to get a credit card is typically 18, there are several factors to consider. You must meet the issuer's credit requirements, have a reliable source of income, and possess the financial skills to manage it responsibly. Let’s explore …

Cartoon-style image of a person wearing glasses, holding two credit cards, with arrows showing one credit card being transferred to the other. In the background, dollar signs and graphs symbolize the financial concept of a balance transfer.

A balance transfer involves moving debt from one or more credit cards or loans to a new credit card that offers an introductory 0% annual percentage rate (APR). This financial strategy can help you save on interest, making it easier to pay down your balance. However, it's not the only option available for debt repayment, …

Cartoon-style image of a person wearing glasses, looking at a map of the United States with 20 cities highlighted. The character holds a credit card, while a graph shows a growing credit card balance. Dollar signs and upward arrows surround the map, symbolizing the rise in credit card balances in these cities, with a city skyline in the background.

Consumer spending habits provide a key measure of economic activity, but these trends can vary significantly across regions. One way to observe how much consumers are spending is by looking at the credit card balances they carry. In addition to credit card debt, other types of loans—such as mortgages, personal loans, auto loans, and student …

Cartoon-style image of a person wearing glasses, holding a calendar with highlighted months to represent the length of a car loan. A car is parked beside the character, with floating dollar signs symbolizing the financial aspect of the loan. The character appears thoughtful, considering the time frame.

When purchasing a vehicle, the loan term plays a crucial role in determining both your monthly payments and the overall cost of the car. What’s the average length of a car loan? For new vehicles, the average car loan term is around 68.48 months, while for used vehicles, it is about 67.41 months, which equates …