Ryan

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About Ryan

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  1. The IT revolution has yielded smartphones, digital banking and cloud services, forever changing the financial services sector. Now anyone with even a simple smartphone can be connected to a wealth of digital services. But there is one major issue with the IT revolution. It is now easier than ever for criminals to steal personal information and funds, all without ever leaving their homes. Continue reading...
  2. Financial fraud is widespread and feared by most of the public. One of the most gut-wrenching feelings is opening a credit card statement and seeing huge payments for items you didn’t order. With the proliferation of the internet across the world, especially poorer countries like China, the number of hacking attempts against personal information and credit cards continues to increase. It is now easier than ever to steal someone’s information and use it to purchase something while remaining completely anonymous. But there are various tools you can use to protect yourself should you find yourself the victim of one of these attacks. Continue reading...
  3. Do you have any revolving or installment credit lines on record right now? Do you even know the difference between the two? Don’t worry if you’re confused, we’re about to clear things up. If you already have a basic understanding of how your credit score is determined, then you’re ready to move on to the more advanced stage of understanding. Continue reading...
  4. One common theme in my articles is the ever increasing debt load facing Americans. Times are still tough, even though it’s been years since the Great Recession. People are still relying on debt to get them through these tough times. When things really start to get out of hand, it might seem that all hope is lost. When debt piles up and becomes impossible to pay off, some people consider bankruptcy. But before taking that option, consider debt settlement. Continue reading...
  5. The dreaded word bankruptcy. This word has carried a negative connotation with it for some time. The truth is many people file for bankruptcy. Financial hardships are just a part of life. In 2015, a total of 911,086 bankruptcies were filed, so don’t think you’re alone in this. There is a life to be had after bankruptcy if you manage to fix the mistakes of the past. Continue reading...
  6. Oh great. Another person is about to lecture you about the importance of fiscal responsibly and credit scores. Take a deep breath and relax. We’re going to cover what credit scores actually are and how to use this information to increase your own. Whether you like it or not, your credit history is of extreme importance. It is nearly impossible to be approved for a credit card, a mortgage or a decent auto loan without a solid credit score to back you up. With the right knowledge, you’ll be able to implement new behaviors and strategies to grow your credit quickly and reach the next level of financial independence. Continue reading...
  7. new app is making headlines with its innovative approach to improving users’ credit score. Lenny has launched a hybrid peer-2-peer (P2P) and credit building app that is directed towards millennials. By utilizing P2P initiatives, Lenny helps users increase their credit score and take more responsibility over their personal finances. Building your credit is one of the most important factors in personal finance. That little number on your credit report sets the interest rate on just about every loan you will ever take. The difference between an average credit score and an excellent credit score could be the difference between thousands of dollars in fees and interest payments, or just hundreds of dollars. Continue reading...
  8. Data released by Lending Club recently shows that both credit markets and credit scores are under-performing. The data revealed that people’s average credit scores were actually falling, which implies that those people are being too risky with their credit. This could partially be attributed to the growth of the peer-2-peer lending scene. Or it could be attributed to the growth in confidence since the economic recovery set in. At the same time, credit markets are also tightening, making it more and more difficult for people to acquire new lines of credit. It now appears that credit markets will remain subdued for some time. Regardless of your situation, take a look at our credit score tips to keep your credit score healthy. Continue reading...
  9. Millennials are the new up-and-coming generation in America. The sons and daughters of the baby boomer generation, millennials, are a rather unique bunch. Born in a period of rapid and advanced technological growth, millennials tend to have a different approach to life than their parent’s generation. However, it isn’t just the generational age gap that has led to this major difference. It is also the severe economic conditions millennials were met with when they began entering the job market. Continue reading...
  10. It may be the case that you’ve sat around wondering if you could be approved for an auto loan despite your bad credit. In the American way of life, a car is oftentimes a necessity. Even since the great recession from a few years back, both poor economic conditions and new legislation has make it more difficult to get approved for any kind of loan. If it is the case that you have bad credit, you should probably first ask yourself if a loan is even worth it. But if you have come to the conclusion that your finances can handle an auto loan, despite your bad credit, then you should know that not all hope is lost. Continue reading...
  11. New developments in the technology and financial sectors may help you boost your credit score and have access to more loan options. Although standard peer-to-peer loans are always an option, there are new ventures forming to help bring loan accessibility and credit building opportunities to those in need. Continue reading..
  12. When people run into financial trouble, they seldom know how to act and what their options are. You may have found yourself in a situation where you didn’t have any idea how to proceed. One common situation that many people find themselves in is identify left. Hackers and thieves have found many different avenues of infiltration. If you’ve ever signed up with a reputable bank or other financial institution, it’s likely that your personal information is stored on the institution’s servers. Continue reading..