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 …
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Po Box 1472
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Hours:
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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 …
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 …
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 …
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. …
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 …
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, …
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 …
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 …