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How to Improve Debt to Income Ratio

How to Improve Debt to Income Ratio

If you’ve ever tried to get a mortgage or a car loan, you likely heard the term “debt to income ratio.” This ratio is a number that lenders use to determine how much more debt you can afford to pay each month. If your debt to income ratio is high, lenders will be less...
What to Do If You Don’t Owe a Debt

What to Do If You Don’t Owe a Debt

Finding out you owe money to a Creditor is not exciting news. Finding out you owe money that you didn’t spend is even worse. Perhaps a debt collection agency called you demanding payment or you pulled up your annual free credit report and saw that you have a mark...
Student Loan Debt Part 2

Student Loan Debt Part 2

The COVID-19 pandemic is making it even more likely that borrowers will have no choice but to default on student loans. The CARES Act suspends student-loan payments through September 2020, though borrowers can choose to continue paying on their loans.[1] Interest...