I have several store cards that I never use. I’d like to close all those accounts but have been told that it will hurt my credit score. Is it really better to leave them open and never use them or cancel/close all of them?

 

i need to know the difference between the two.

 

Should I sink all my cash into a house or carry a morgage and diversify my investments?

 

Right now our home taxes & insurance are spread out through each month. Would it save any money if we just pay it ourselves each year instead of spreading it through the mortgage? I know it would obviously lower our monthly payments but I mean is there any other way it would be better. I’m [...]

 

How can I negotiate a better price on my home owners Insurance? They rasied my premium about $ 70, and I lost one months coverage because the agent listed the policy a month early, so now now the premium is now due earlier also. And I haven’t even paid the premium until a month later. [...]

 

I used my credit card alot but i pay it off 100% to avoid any interest. Does that help my credit score or should i pay about 2x minimum payment? What is the BEST thing to do for better credit score? Thank you,

 

This is the problem, I am having an arguement with a co-worker that paying off all of your debt per month is better than having transferring debt month to month. I figure, you borrow money, you pay it all back, you repeat. They argue that paying a portion monthly shows you can handle credit effectively. [...]

 
 

I have some credit debt left and I’m wondering if I should put the extra money I make from selling my home into the new house I’m purchasing or if I should go ahead and pay off the credit card debt. What is a smarter decision? Just wanted to say I’m not late on my [...]

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