Why You Should Pay off Retail Credit Cards as Soon as Possible
Retail or department store credit cards are promoted as being convenient and a “must have” for shoppers at their favorite stores. The cards can…
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Thomas Bright is a longstanding Clearpoint blogger and student loan repayment aficionado who hopes that his writing can simplify complex subjects. When he’s not writing, you’ll find him hiking, running or reading philosophy. You can follow him on Twitter.
How to Refinance Private Student Loans
In general, I am skeptical of “refinancing” because it’s a term (and proposed solution) that gets thrown around too loosely. In my opinion, it’s…
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How Much Does Credit Counseling Cost? (Hint: It’s Free)
Today, we want to clear up some confusion surrounding credit counseling and its fee structure. In other words, we want to clear the air…
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Understanding the ‘Fourth Bureau’ and Alternative Credit Data
You’ve likely heard of the three national credit bureaus: Experian, Equifax, and TransUnion. In fact, you have relied on the credibility of these agencies…
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Who Needs Credit Counseling?
Credit counseling can be a mysterious subject. It sometimes gets lost in the world of banking services, self-help financial apps, and other products and…
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Top 26 ‘Life After Debt’ Stories from Personal Finance Bloggers
As part of our campaign and contest, Life After Debt, we searched high and low for the best debt repayment stories out there. We…
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How Four Clients Paid off Almost $250,000 in Credit Card Debt
At Clearpoint, we are always celebrating “Life After Debt,” and today we want to take a quick look at four very successful clients who…
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Why a Debt-to-Income Ratio Should Be Based on Monthly Payments
We have been talking lately about debt-to-income ratios (DTIs) and how they serve as good indicators of overall financial health. We recently covered the…
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