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Tag: Improve Credit

What happens when I “refinance”?
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What happens when I “refinance”?

  • Posted on January 30, 2021January 30, 2021
  • by brightdime

“What is refinancing? I hear people talking about refinancing their home, their student loans, but what is refinancing and how does it work?” We frequently hear a version of this…

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What’s a credit lock and should I do it?
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What’s a credit lock and should I do it?

  • Posted on December 18, 2020December 19, 2020
  • by brightdime

Locking your credit is one way to restrict access to your credit report and protect yourself from someone fraudulently opening accounts in your name. You may have heard of a…

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What should I know about credit reports?
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What should I know about credit reports?

  • Posted on December 10, 2020March 4, 2022
  • by brightdime

If you haven’t checked your credit report recently, you don’t want to end the year before seeing it. By proactively checking not only your score, but your whole credit report,…

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What should I do to wrap up my finances for the year?
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What should I do to wrap up my finances for the year?

  • Posted on December 4, 2020December 18, 2021
  • by brightdime

Even if this year did not turn out as you hoped, you can still end the year on a positive note with your money! Below are TEN quick-hit items that…

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Know the Risks of a 401(k) Loan Before You Borrow
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Know the Risks of a 401(k) Loan Before You Borrow

  • Posted on November 28, 2020April 5, 2021
  • by brightdime

Taking a loan from your 401(k) plan may seem like a good idea when you’re hit with a financial setback, especially when borrowing money from a bank may be difficult…

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Should I do a credit card balance transfer?
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Should I do a credit card balance transfer?

  • Posted on November 25, 2020November 25, 2020
  • by brightdime

Transferring the balance on your credit card to a new card with a lower (maybe even 0%) interest rate can be a big help when paying off debt if used…

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What can a financial coach help me with?
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What can a financial coach help me with?

  • Posted on October 17, 2020October 30, 2020
  • by brightdime

BrightDime’s financial coaches have expertise in a wide range of topics: budgeting, debt reduction strategies, insurance, workplace benefits, investment products, and on and on. So what is that they can…

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Is a credit card enough to cover emergencies?
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Is a credit card enough to cover emergencies?

  • Posted on August 6, 2020October 29, 2021
  • by brightdime

Do you use a credit card for emergencies? You are not alone, as many of us were taught to keep a credit card, “just in case.” More than 189 million…

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How can I improve my credit score?
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How can I improve my credit score?

  • Posted on July 29, 2020July 21, 2020
  • by brightdime

If you want to buy a home, a car, or  rent an apartment your credit score can mean the difference between a “yes” and a “no”. And if you do…

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How can I get more organized?
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How can I get more organized?

  • Posted on July 24, 2020August 10, 2020
  • by brightdime

Staying organized can be a challenging task. It seems like everything works against us to make things more complicated and harder to keep up with. But it’s worth it, just…

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