Skip to content
Money and Bills
  • Home
  • About Scott
  • Work With Me
  • Press & Media
  • Contact
  • Categories
    • Personal Finance
    • Making Money Online
    • Everyday Life
    • Blogging
  • Recommendations

Personal Finance

Advantages of Using a Credit Card vs. a Debit Card

January 16, 2023January 11, 2023 by Scott Bates
credit vs debit card

Should you use a credit card or debit card on most of your transactions? It’s a question that you’ve needed to answer ever since cards replaced cash as the most common way to transact when making a purchase. In fact, I remember when debit cards first came out it was … Read more

Categories Personal Finance Leave a comment

How To Remove Late Payments From Your Credit Report

January 16, 2023January 6, 2023 by Scott Bates
credit-report-late-payment-removal

Late payments can be reported on your credit report for accounts such as Credit Cards, Personal & Auto Loans, Mortgages, and Student Loans. Below, I want to share with you everything I’ve learned over the years regarding disputing and removing late payments from your credit report. Normally, you find out … Read more

Categories Personal Finance Leave a comment

8 Options For Building and Improving Your Credit Score Fast

January 16, 2023December 31, 2022 by Scott Bates
build and improve credit score

What’s the best way to build credit and improve your credit score? A lot of people think that just using credit cards and paying them off every month is all that is required to build good credit. While having on-time payments is a great place to start for building good … Read more

Categories Personal Finance Leave a comment

How To Write a Goodwill Letter To Remove a Late Payment [template included]

January 16, 2023December 27, 2022 by Scott Bates
how to write a goodwill letter

In this article, we’re going to discuss what a “Goodwill Adjustment Letter” is and how it will help you to negotiate the removal of late payments from your credit report. A Goodwill letter is a written explanation to your creditor for negotiating the removal of a late payment on a … Read more

Categories Personal Finance Leave a comment

How To Check and Dispute Errors On Your Credit Report [in 4 Easy Steps]

January 16, 2023December 24, 2022 by Scott Bates
dispute errors credit report

Why should you care about checking your credit report for errors? Or know about how to dispute credit report errors when you find them? Because having good credit makes it easy to rent an apartment, buy a new home, or get a new car loan. But when an error is … Read more

Categories Personal Finance Leave a comment

Hard Money Loans For Beginners: Let’s Cover The Basics

January 16, 2023April 4, 2022 by Scott Bates
hard-money-loan-basics

It happens to everyone in the real estate investment world. You’re trying to get a deal on an investment property and the bank won’t approve you on a conventional loan for the purchase. This happened to me several years ago and my mortgage broker suggested getting a hard money (aka … Read more

Categories Personal Finance Leave a comment

How To Balance a Checking Account in 2021 [The Easy Way]

January 16, 2023September 17, 2021 by Scott Bates
balancing-a-checking-account

Balancing a checkbook is an essential basic life skill that everyone needs to know about to master their financials. This is especially true if you want any chance of successfully budgeting, investing, and saving more money for your future. Have dreams of owning your own business one day? Every successful … Read more

Categories Personal Finance Leave a comment

How To Find a Roommate and Save Lots Of Money

January 16, 2023August 18, 2021 by Scott Bates
finding a roommate

Finding a roommate to save money, is it worth it? In most cases, the answer is an outstanding YES! For most people, they really don’t want a roommate. Especially as you get more established in your career and financially secure with your living situation. But if you live in an … Read more

Categories Everyday Life, Personal Finance Leave a comment

How To Find Jobs and Side Hustles That Pay Cash Under The Table

January 16, 2023June 25, 2021 by Scott Bates
working cash jobs under the table

Getting paid under the table is typically a side gig or job you do that pays you in cash. It can be pretty beneficial for a number of personal reasons, and it’s much more common than you think. In fact, according to an NPR article I found, the amount of money … Read more

Categories Personal Finance Leave a comment

How To Get a Mortgage Underwriter To Approve You [Using a Checklist]

January 16, 2023May 17, 2021 by Scott Bates
mortgage-underwriter-requests

Let’s review the most common items that an underwriter might want to verify (at the last minute) during the process of closing on your new mortgage. As of this writing, I’ve signed for a new mortgage loan (or home equity line of credit) at least 25 different times in the … Read more

Categories Personal Finance Leave a comment
Older posts
Page1 Page2 Next →

Follow Me on Social Media

  • Home
  • About Scott
  • Contact
  • Privacy Policy
  • Terms of use
© 2023 Money and Bills Blog