Don’t Fall Into This Dangerous Cycle

Maybe you know the dangers of payday loans and have decided to stay away from them. Maybe you were denied a payday loan and are looking for other alternatives. Whatever the reason is you’re not getting a payday loan, consider it to be for your ultimate benefit. It’s important however, to be cautious of another…

BySmart Fi Guide

Loans

Should You Use A Loan Store?

Loan stores are a particular kind of store set up for people who are vulnerable and tight on cash. Essentially, they lend people the money they need when they feel they have no other place to turn. Never heard of them? They can be found in places such as strip malls or downtown lots.…

BySmart Fi Guide

Credit Scores

3 Total Myths That Do Not Hurt Your Credit Score

There are several things that can hurt your credit score. Unpaid collection accounts, past due accounts, and short credit history are some of the few. But there are some things that people think will damage their credit score, but won’t. Here are three total myths people erroneously think will damage their credit score: Checking…

BySmart Fi Guide

Credit Scores

What Really Affects Your FICO Score?

Ever wonder how your credit score is calculated? Although many companies are can gather your credit history and produce your credit score, there one major kind of credit score most lenders refer and that’s your FICO score. FICO scores range anywhere between 300 - which is really poor and 850 - which is really great.…

BySmart Fi Guide

Loans

Need Quick Cash? Personal Loan or Payday Loan?

If you’re in need of a small loan, you may be wondering if you should try your luck with a personal loan or go for a payday loan. Often times, payday loans are appealing because they’re easy to apply for and can be done online from the comfort of your own home if you want.…

BySmart Fi Guide

Loans

Need To Borrow Less Than $500? Pawn Shop or Payday Loan…?

If you need to borrow less than $500 and are wondering whether you should apply for a payday loan or just pawn one of your valuables, you have to weigh your options. Pawn shops aren’t going to give you very much for your valuable items because they have to make a profit. That means if…

BySmart Fi Guide

Credit Scores

What Really Affects Your FICO Score?

Ever wonder how your credit score is calculated? Although many companies are can gather your credit history and produce your credit score, there one major kind of credit score most lenders refer and that’s your FICO score. FICO scores range anywhere between 300 - which is really poor and 850 - which is really great.…

BySmart Fi Guide

Credit Cards

Common Credit Card Questions People Wonder About: Part 3

In part 1 and part 2 of Common Credit Card Questions People Wonder About, we covered various topics ranging from cosigning and interest fees to annual fees and debt elimination. In the final installment, we’re going to cover three more issues people wonder about. Is it a good idea to carry a balance? You should…

BySmart Fi Guide

Credit Cards

Common Credit Card Questions People Wonder About: Part 2

The internet is full of information about credit cards, yet people still wonder what the best choice is for them. In Part 1 of Common Credit Card Questions People Wonder About, we went over whether card holders should close out accounts or ditch cards with annual fees. In part 2, we’ll cover more questions people…

BySmart Fi Guide

Credit Cards

Common Credit Card Questions People Wonder About: Part 1

No matter how much information is out there about credit cards, there still seems to be many unanswered questions people have about them. Here are 3 common credit card questions people wonder about: Should I get a card with an annual fee? - Because there are so many awesome fee-free credit cards on the…

BySmart Fi Guide

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