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Tips for Protecting Your Identity

Saving Cents With Sense

Each year, more than 9 million people have their identity stolen, resulting in debt , lost job opportunities, and even a criminal record. Suggest that your potential landlord use a service like Mysmartmove to conduct a background and credit check. ©2009-14 Saving Cents with Sense ™, a website of Saving Sense Media LLC.

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Best Bad Credit Loans of January 2024

Savings Corner

These loans come with credit-building tools, flexible repayment terms and special features for debt consolidation and home improvement projects. Direct payment to creditors with debt consolidation loans. Maximum debt-to-income ratio: 75%, including mortgage and the loan you’re applying for. Minimum annual income: None.

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Ways to Build Credit Without Relying Solely on Credit Cards

Prairie Eco-Thrifter

For those who prefer to pay with cash and avoid the credit card debt cycle altogether, building a solid credit history and high FICO score can be a challenge – but it doesn’t have to be. Debt load – 30%. This portion of your score reflects how much debt you carry. If you prefer to pay cash and avoid revolving debt, that’s great.