EmpireOne

The cost of education in Canada is rising at a record pace. While there is government assistance available, the higher cost of education has resulted in higher student loans. Many of us take on debt for education because we expect that our education will help us gain a better footing in the real world over […]

Your credit score is one of the most important factors of your financial life. While it’s important to know what things help you build a good credit score, you also have to know those things that could hurt your credit score and lead to side effects from bad credit. If you avoid doing these 10 […]

It’s important to note that repairing bad credit is a bit like losing weight. It takes time and there is no quick way to fix a credit score. The best advice for rebuilding credit is to manage it responsibly over time. If you haven’t done that, then you need to repair your credit history before […]

Getting into more debt is a dumb strategy. But breaking out the credit card doesn’t have to leave you in the red. Credit—when used strategically, can be smart. Here are some of the best ways to use the plastic in your wallet: Pay Bills on Time Making sure the credit card bill is paid on […]

A credit rating or score (also called a Beacon or a FICO score) is not part of a regular credit report. In other words, it is a mathematical formula that translates the data in the credit report into a three-digit number that lenders use to make credit decisions. The numbers go from 300 to 900. […]

A credit score of 700 gets you the best lending rate from the banks. But if you’ve missed some bill payments—or worse, filed for bankruptcy—you’ll have to work strategically to build your score back up. These tips will help you do it as quickly as possible. KNOW YOUR CREDIT CARD LIMITS Try to keep your […]

Your credit rating or credit score can affect many parts of your life, including housing, career, and loan opportunities. But you have the ability to improve it! Here are some tips on how to improve your credit score: Always pay your bills on time Although the payment of your utility bills, such as phone, cable […]

A good credit score presents you in a positive light in front of your creditors and qualifies you for bank loans and the like. Rebuilding your credit score after a tumultuous time can be quite mind-draining. You will need to exercise patience and understand that it is a time-consuming process—something that cannot happen overnight. In order […]

However, they have their own fair share of drawbacks. If you’re a shopaholic, it is advisable to consider certain factors before you go on to make a credit card related decision. Often, what appears on the face of it may be quite far from the truth. Read on to know about the common myths: Myth […]