The COVID-19 pandemic caused unprecedented economic disruption, leading the US government to provide relief through stimulus payments to Americans. Many are wondering – was the 2021 stimulus an advance payment? Let’s dig into the details. Overview of COVID-19 Stimulus Packages To cushion the economic blow of the pandemic, Congress authorized three rounds of stimulus payments: … Read more
Your first mortgage payment is typically due at the start of the second month after closing. This means if you close at the end of a month, your first payment will be due in just over a month. But if you close at the start of a month, your first payment will be due in … Read more
Sure, you love shopping at Old Navy, the Gap, and Banana Republic, but is the Old Navy credit card a smart choice? To make that decision, evaluate the rewards, benefits, and costs associated with both the Old Navy store card and the Old Navy Visa credit card. Apply in-store or online and get 15% off … Read more
Learn about how your credit score can impact the FHA lown down payment requirement, and the assistance options that are available to you. FHA loans are one of Americas most popular mortgage loan options — and for good reason. They have low credit score requirements, affordable mortgage rates, and a down payment minimum requirement of … Read more
Credit Sesame is a leading personal finance and credit monitoring website that provides free access to credit scores, reports, monitoring, and identity protection. But who actually runs and operates this popular financial services company? The Founder and CEO – Adrian Nazari Credit Sesame was founded in 2010 by entrepreneur Adrian Nazari Nazari serves as the … Read more
Do you have a 15- or 30-year fixed-rate loan that you’d like to pay down faster? You might find that making extra payments on your mortgage can help you repay your loan more quickly, and with less interest than making payments according to loans original payment terms. Making a large, lump sum payment on your … Read more
If youre considering selling your house, but not sure what the complications are if you still have an unpaid mortgage, fear not. Consider that only 32 percent of Americans live in homes where the mortgage is completely paid off. Further, estimates suggest that the majority of home sellers, roughly 60%, still have a mortgage when … Read more
Many people are using the recent economic events to try to get their credit score in better shape. This means pulling your credit reports, learning how to read them, then figuring out how to resolve problem accounts. But what if you have one or more charge offs that have made their way onto your report? … Read more
Banks and credit unions dont report bank account information, including closures, to the credit bureaus. However, closing an account may have an indirect impact on your credit in a few scenarios. Closing a bank account doesnt hurt your credit, at least not directly. However, there are some instances where closing an account could result in … Read more
Applying for a new credit card can be an anxiety-inducing experience, especially if you’re not sure whether you’ll get approved or not No one wants to deal with the sting of rejection, but there’s more at stake than just your pride Every time you apply for a credit card, the issuer typically performs a hard … Read more