First, get a free credit report at www.annualcreditreport.com or call 1-877-322-8228. You can request one free credit report from each of the three major credit reporters, once a year. So, you don’t have to pay for your annual credit reports. Do not contact the three nationwide credit reporting companies individually. Make sure to check all  … Read More

In Pennsylvania, a drop in your credit score could result in non-renewal of your homeowners policy or result in a dramatic increase in your premiums. Insurance companies have determined that there is a connection between credit worthiness and the number of insurance claims a homeowner makes. They believe, the better the credit, the fewer insurance  … Read More

Many things affect the rate you are charged for homeowner’s insurance. Making many small claims can lead to termination. Even asking your insurance company about the possibility of making a claim can affect your insurance. Insurance companies can randomly conduct drive-by inspections of properties. If there is an obvious maintenance issue, the insurer may threaten to  … Read More

If you are struggling with debt, but are wondering if you make too much money to file bankruptcy, then read on. To be eligible to file Chapter 7, you must pass what is called a “means test”; this determines whether or not your income is low enough to qualify. Your debts have to be primarily  … Read More

Filing for bankruptcy is a serious financial decision. If you aren’t able to pay your bills, but you’re afraid to file bankruptcy, read on… Myth 1. You’ll lose everything. Contrary to what you might have heard, by filing, you’re likely to keep a lot of your possessions. What assets may be exempt varies from state  … Read More