Credit Education

Learn and understand the New Age of Credit and how you can leverage it to become financially independent. Credit Education is designed to boost your credit knowledge. From articles, to credit videos and free credit calculators, there’s always something for everyone.

Latest Article

Need help with your finances, but not quite sure where to start? Read our blog for financial guidance, tips, and more!

How to build a savings cushion in a time of emergency?

How to build a savings cushion in a time of emergency? If you are going to stockpile anything these days, consider liquid savings. A stash of easily accessible money to tap for emergencies is always important, but it is critical at times like these when people face...


HOW DO MORTGAGE LENDERS DETERMINE THE QUALIFYING SCORE? This was developed for Creditors AND lenders to better understand the risks of approving someone’s loan application. The Borrower is then assigned a 3-digit code ranging from 300 to 850. The credit score assigned...

Understanding The State Of Your Credit Score

Understanding The State Of Your Credit Score There are approximately 70.2% of American consumers have at least one credit card, and the average person has four credit cards with statistics proving that an estimated 55% of these consumers have debts on them. What’s the...

Raoul Pal: ‘Enormous Wall of Money’ Coming Into Bitcoin, Price to Reach $1 Million in 5 Years.

Enormous Wall of Money Coming Into Bitcoin? Former hedge fund manager Raoul Pal shared his view on the economy, gold, and bitcoin last week in a podcast interview with Daniela Cambone of Stansberry Research. Pal previously co-managed the GLG Global Macro Fund in...

The COVID-19 Major Effect.

The checklist of obituaries for legendary locations permanently close as a result of COVID-19 seems to expand each day. One of the saddest...

Credit Video

In order for you to discover and learn more about the “New Age of Credit,” we have created a playlist on YouTube. Weekly updates are available, so keep checking back and we’ll see you there!

Credit Calculator

Our Credit calculators can assist you in making financial decisions and answering financial questions: Prepare an estimate of when your debt will be completely paid off, assess the advantages of combining high-interest debt or devise a strategy to reduce your debt payments as quickly as possible.

Credit Utilization Ratio

Your credit utilization rate, sometimes called your credit utilization ratio, is the amount of revolving credit you’re currently using divided by the total amount of revolving credit you have available.

Debt-to-Income Ratio Calculator

Debt-to-income (DTI) ratio compares how much you earn to your total monthly debt payments. Crunch the numbers with our DTI ratio calculator and find out if you’re ready to apply for a home loan.

Consolidate Credit Card

Debt consolidation rolls your existing debts into one, ideally with a lower interest rate and shorter payoff time. This is often accomplished with a debt consolidation loan, but there are other ways to consolidate debt depending on your specific situation.

Pay Off Calculator

We’ll help you determine how many months it will take to free yourself from debt. Just input your current card balance along with the interest rate and your monthly payments.