Credit Reporting – Kaydem Credit Help

17 Nov 2022

Ways to Keep Track of Your Personal Budget

We all know we should follow a financial plan, but we rarely truly stick to one. There are certain cases, such as running a business, where we must have a budget and know our income and expenses for general analysis and tax season. However, it is a personal budget that often becomes neglected. Under...

18 Oct 2022

How to Make a Budget You’ll Stick With

The first step in taking control of your financial health? Create a budget and stick to it. However, that’s easier said than done, right? A budget allows you to visualize your current financial status and where your money is headed in the future. You can also better detect spending habits th...

16 Sep 2022

The Difference Between a Checking Account and Savings Account

When it comes to storing your money, do you have a plan in place? Or are you simply depositing funds into an account each month and withdrawing as needed? Are you still placing savings in a plastic bag under your mattress? It’s time to educate yourself on financial practices and genuinely understa...

11 Aug 2022

Should You Have Open Accounts with More than One Bank?

It’s common for individuals to have various accounts with several financial institutions, but is it a beneficial financial decision, or does it make you more vulnerable to cybercriminals? To make the best decision for your finances, consider the advantages and disadvantages of having accounts with...

11 Jul 2022

Credit Myth Exposed: Pay Credit Cards in Full or Keep a Balance?

Most people will attempt to improve their credit score in whatever way they can. However, many common credit tricks are a myth, further extending how long it takes consumers to improve their credit scores. One of the most common tricks is for consumers to leave a balance on their credit cards, but w...

05 May 2022

No Credit vs. Bad Credit and What You Can Do About Both

You may experience similar hurdles whether you have no credit or bad credit, but is one worse than the other? Understanding how a lender views you as a borrower in both circumstances is essential to taking the proper steps to improve your creditworthiness regardless of your starting point. What does...

22 Apr 2022

Medical Debt Changes – What Consumers Should Know

Experian, TransUnion, and Equifax have announced in March 2022 that they are changing how they report medical debt on consumer credit reports starting July 1, 2022. Currently, since health care providers do not report directly to consumer credit reports, a collection agency must purchase t...

Become Debt Free Snowball or Avalanche Method

17 Mar 2022

Best Method to Become Debt Free: Snowball or Avalanche?

According to a 2021 CNBC report, the average American has $90,460 in debt, including credit cards, personal loans, mortgages, and student loans. Getting out of debt can be a challenge, especially if you’re not regularly seeing significant changes as you’re paying them off. There are two main str...

17 Feb 2022

6 Ways to Wisely Spend Your Tax Return

Tax refunds are just around the corner, making it a great time of year for many people. Most people, however, spend their tax return money shortly after receiving it since they see it as free money rather than money that was withheld from them by the government. It’s tempting to spend it on someth...

01 Jan 2022

Buy a Car Without the Stress – Get a Pre-Approved Car Loan!

In the market for a new car? Going to the dealership with a pre-approved car loan strengthens your negotiating power, helps avoid mark-ups, saves your credit from excessive credit pulls, and more. This article will help you understand how you can benefit from a pre-approved car loan to make your car...