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An introduction to credit
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    • Credit Scores
    • Credit utilization ratio
    • What is a creditor?
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    • Benefits of having a credit card
    • Common credit card scams
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Month: March 2025

The impact of loan default on your credit history.

The impact of loan default on your credit history.

March 25, 2025
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Understanding Loan Default Loan default is a financial occurrence where a borrower fails to meet the repayment obligations on a loan agreement. Such situations typically stem from unexpected financial challenges […]

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How to apply for a car loan in the US.

How to apply for a car loan in the US.

March 18, 2025
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Understanding Car Loans Obtaining a car loan in the United States involves several steps and requires a good understanding of various financing options. A car loan is a type of […]

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Tips for repaying student loans faster.

Tips for repaying student loans faster.

March 11, 2025
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Understanding Your Loan Terms When tackling student loans, it’s essential to start by understanding the fine print associated with them. Begin by examining the interest rates on your loans, which […]

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What are payday loans, and are they worth it?

What are payday loans, and are they worth it?

March 4, 2025
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Understanding Payday Loans Payday loans represent a type of short-term borrowing where individuals can secure rapid access to funds to manage their financial needs until their next paycheck arrives. Commonly, […]

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Avoid the credit trap

An introduction to credit

  • What is credit?
    • Credit Scores
    • Credit utilization ratio
    • What is a creditor?
  • Credit card pitfalls
    • Charity credit card
    • Credit cards for young people
    • Benefits of having a credit card
    • Common credit card scams
  • Home equity line of credit (HELOC)
  • Mortgage loan
    • Interest only mortgage loan
    • Second mortgage
    • Mortgage points
  • Offshore Banking
  • Contact ACE
  • Resources

Latest

  • Steps to recover from credit card debt.
  • How to choose the best credit card for your needs.
  • What is a charge-off, and how does it affect your credit?
  • The pros and cons of debt settlement.
  • How to handle loan repayment during financial hardship.

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