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March 27, 2024
By
The Admiral Staff
Renting with a low credit score (below 600) can be challenging, as many landlords require a score of 600 or higher. The article provides several strategies for securing an apartment despite bad credit, including finding a guarantor or co-signer, addressing errors on your credit report, presenting letters of recommendation, being prepared to pay extra upfront (like a larger security deposit), and expanding your search area. Other options include finding a roommate or seeking out apartments that don’t check
March 23, 2024
By
The Admiral Staff
A recent Pew Research Center report revealed that nearly 40% of adults struggle to manage their passwords, despite 41% being concerned about online security due to data theft and fraud. Experts like Steve Weisman emphasize the critical role of strong, unique passwords to protect sensitive information like bank account details and social security numbers. He suggests creating memorable, strong passwords by starting with a sentence, adapting that base password for each account, and avoiding password storage services or browser saves, recommending instead a secure,
March 9, 2024
By
The Admiral Staff
Charge cards are similar to credit cards but differ significantly in how they function. Unlike credit cards, charge cards don’t have a preset spending limit and require the full balance to be paid off each month, avoiding interest charges. They are less common, often targeted towards businesses or high-income individuals, and don’t factor into credit utilization calculations, potentially benefiting credit scores. While both offer rewards programs, charge cards may have limited options, and alternatives like credit cards or debit cards provide different benefits depending
March 6, 2024
By
The Admiral Staff
Many Americans are unaware of their credit utilization, available credit, and how their actions impact their credit scores. A recent survey found only 9% are aware they have multiple credit scores. The article explores this issue by interviewing people and using the Credit Sesame app to demonstrate how to find credit scores and personalized steps for improvement.
March 5, 2024
By
The Admiral Staff
Bill pay services automate bill payments via website or app, pulling funds from your account to pay bills on time. Options include Prism (free), Quicken Bill Manager (free or $9.95/month), MyCheckFree (free with potential fees), Doxo (free or $4.99/month), and SilverBills (from $50/month). Benefits include organization, time savings, and avoiding late fees, while drawbacks involve third-party access to accounts and potential overdraft
