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Should you Buy Now, Pay Later?

Buy now, pay later services are beginning to proliferate in online shopping.  Even mega-retailer Walmart has boarded the buy now, pay later bus, announcing they are eliminating lay-away.  The service seems simple enough, allowing the consumer to split the cost of their items into set payments.  The advertising promises no interest if the program is …

credit

Is it time for a Credit Freeze?

Your personal information can be used fraudulently to open new credit accounts in your name.  Recently (Apr 2021) it was widely reported that Facebook experienced a large leak of user data.  It’s not the first data breach and won’t be the last. Is it time for a Credit Freeze? Credit freezes, also known as security …

How to Improve Your Credit

As financial counselors we often get asked how a client can improve a credit score. Most of us aren’t privy to the complete super-secret formula, including me. But there are actions you can take to improve your credit score. Scoring models differ and can change a bit over time and we are focusing on the …