Our goal here at Credible Operations, Inc., NMLS Number 1681276, referred to as “Credible” below, is to give you the tools and confidence you need to improve your finances. Although we do promote products from our partner lenders who compensate us for our services, all opinions are our own.  The…

President Joe Biden canceled an additional $5 billion of student debt last week for 74,000 borrowers, bringing the total number of people who have gotten their debt erased to over 3.7 million Americans.  The latest student debt discharges stem from fixes made to income-driven repayment (IDR) forgiveness and Public Service…

Students may think that a credit card sponsored by the college or university they attend will offer them the best deal, but they would be wrong, a recent report warned. In fact, financial products tied to colleges and universities that are marketed to students often have less advantageous terms and…

I live in Florida and bought a house in 2011. My mother moved in about a year later. We never discussed if this was permanent or not, but after a few years I started thinking about living on my own again. However, she refuses to move out. She has invested…

A majority of Americans say a $1,000 emergency expense would be too great of a hit to their savings and that they could not afford it, according to new data released Wednesday. Bankrate’s latest survey results found 56% of U.S. adults lack the emergency funds to handle a $1,000 unexpected…

Too many people wait until near the end of the year to consider key IRA actions and strategies. Your after-tax wealth is likely to increase when you plan the IRA strategies early in the year. Here are some key steps many people should consider. Donate Via A QCD A qualified…

Mortgage rates dropped this week to their lowest level in eight months in a welcome occurrence for potential homebuyers who have watched rates climb for the past few weeks. Freddie Mac’s latest Primary Mortgage Market Survey released Thursday showed that the average rate for the benchmark 30-year fixed mortgage decreased…

Bilt Rewards, a company that allows Americans to be rewarded for paying their rent, on Wednesday announced a $200 million equity investment, which thrusts the company’s valuation to $3.1 billion as business heavyweight Ken Chenault and NFL Commissioner Roger Goodell were added to its board.  The investment, led by General Catalyst,…

The numbers: U.S. mortgage applications surged as rates fell across the board in the last week. The 30-year mortgage rate was averaging at the lowest level in three weeks. A drop in rates boosted home-buying and refinancing demand. The overall market composite index — a measure of mortgage application volume…

The Open Enrollment Period (OEP), a time for making changes to Medicare Part D drug coverage, ended on December 7. Heading into the OEP, there was considerable excitement because the Inflation Reduction Act (IRA) was going to save seniors millions of dollars. But how did that play out in real…