Elena Laramie's Articles

  • When it comes to insurance costs, your credit record can be just as important as your driving record
    As a smart consumer, it should be no surprise to you that your credit report can affect the interest rate you get on a car loan. The better your credit score, the better your rate. But did you know your credit can also influence your auto and home insurance premiums?
  • What does "manage your credit" mean, anyway?
    The other day I was having lunch with a friend at a deli, which had just run out of Swiss cheese. "Oh for Pete's sake," my friend blurted out. "What kind of sandwich place doesn't have Swiss cheese?" That got me thinking—not about cheese—but about the phrase, "for Pete's sake." It's a common saying I hear all the time; I just wasn't sure what it really meant. (Who is this Pete fellow?)
  • The Facts of Life — or — The story of the birds and the bills
    FACT: Money has very little to do how much you love someone . . . but it has a lot to do with how much you fight with that person, especially if that's your husband, wife, boyfriend or girlfriend.
  • The Fab Five: 5 things you can do right now to improve your credit score
    The holidays are over and we all know what that means: it's time to make our list of resolutions. From eating less to exercising more, everyone has different goals for the New Year. Make a resolution to manage your credit. Whether you have good credit that you want to maintain, or need to improve your credit score a bit, there are 5 things you can start doing right now to make your credit resolution a reality.
  • Test your credit IQ
    This time of the year, everybody is thinking about their finances. Money is on our minds. So while you're rummaging through your receipts and reviewing those W2 forms, add a credit report to your list.
  • Tax Time
    Tax time is just about here. For some of us that invokes a sinking feeling, for others it sparks a sense of anticipation and the burning question: what will you do with your tax refund?
  • Oops! How to fix past credit mistakes
    Urban myths. We hear them all the time. Some that come to mind: alligators living in the sewers...mixing the candy Pop Rocks with soda pop will make you explode...and credit repair companies can instantly solve credit problems.Most of the myths are harmless fun; but when it comes to your credit, you could lose money and break the law if you don't know the truth.
  • Love that loan! How to get the best rates
    Buying a new home or car is exciting stuff. Whether you're going after a condo or a convertible, it's a great feeling finding what you want. The only thing better? Knowing that you're saving money on your loan because you're prepared and your credit report is in tip-top shape.
  • How to stamp out bad credit card offers
    If you're like me, your mailbox is usually stuffed with things like bills...postcards selling some turbo-charged Internet service...maybe a few magazines...and, of course, credit card offers. It's the credit card offers that get you. They're pretty tempting, aren't they? Whether it's being pre-approved for $10,000, or the promise of earning free airline tickets, there's always something that lures us in.
  • Honk if you love having healthy credit!
    Okay, it's probably not a bumper sticker you see every day. But healthy credit is definitely something to be excited about, especially when it comes to that car, truck or SUV you're thinking about buying. Good credit makes the road to getting your dream car a lot less bumpy.
  • Financing a Home - a Foolproof Preparation Process
    Buying a home is probably the single largest investment most people will make in a lifetime. By preparing yourself and your finances for a home purchase, you can ensure a smooth home-buying process.
  • Credit tips for college grads of any age
    People always remember their "firsts." Their first kiss...first concert...first job...first thing they bought with a credit card. Well okay, maybe I'm the only one who remembers the first thing I charged to a credit card. It was a bag of groceries (and I think I paid interest on my Fruit Loops for six months).
  • Credit inquiries: When does your private information go public?
    All of us have certain things we don't want others to see. For me, it's my eighth grade yearbook picture...the video of my karaoke debut...all the junk under my bed...and the personal information in my credit report.

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