Ok raise your hand if you have heard of Credit Karma or you are currently using credit karma. I know that is a lot of us. It’s quick, it’s free, and it feels super helpful; until you realize that your bank or loan officer is looking at a different number altogether. So is Credit Karma…
Credit cards can be a super helpful tool when used wisely, but sorting through all the credit card offers out there can get overwhelming, especially if you want to make choices that line up with your values and your walk with Christ. Credit card offers are everywhere promising rewards, cash back, and exclusive perks. But…
Divorce or separation can shake your world. And while you’re navigating emotional healing, legal logistics, and maybe even single parenting it can be easy to overlook how all of it is affecting your credit. But sis, let me lovingly remind you: your financial stability matters now more than ever. At Transforming Finances, we help Christian…
What is a balance transfer? It’s when you transfer an existing credit card balance to a new credit card to pay off old debt. This new card usually comes with a lower interest rate, often 0%, for an introductory period. The introductory period is a limited time frame during which the card issuer offers a…
Freshman Year Alright, picture this: I’m a wide-eyed 18-year-old, fresh off the parental leash and living it up in my college dorm. It’s my first taste of freedom, where the biggest worry on my mind is whether I studied hard enough for my next biology test. Which I never did Biology was not my subject!…
Your credit report holds a snapshot of your financial life. This document, created by credit bureaus, tells lenders and other companies you do business with about how you manage credit. Having good credit can open doors to loans, mortgages, and even better job opportunities. On the flip side, a poor credit report can put up…
What is Credit Repair? Okay, so you’ve probably heard all sorts of things about credit repair. It’s that big, scary word that everyone dreads, but it doesn’t have to be. Credit repair, in simple terms, means fixing errors on your credit report or managing your debts more efficiently to improve your credit score. Getting inaccuracies…
You might think credit is something you’ll deal with later, but the earlier you start, the better. Good credit opens doors think better interest rates, smoother apartment applications, even job opportunities. If you’re just starting out, here’s how to build credit from scratch and set yourself up for long-term financial wins. It’s not just about…
Alright, let’s break down credit scores first. Think of them as a financial report card. Lenders look at your score to gauge how reliable you’d be in paying back a loan or credit. A high score signals that you’re responsible with credit, while a low score might suggest that you’re a bit riskier. Simple as…