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How to Choose The Best Rewards Credit Card in 2025: The One That’s Right For YOU

Are you trapped by credit card offers? You're bombarded with ads for colossal sign-up bonuses. And hear stories of friends booking international flights with...

How to Choose The Best Rewards Credit Card in 2025: The One That’s Right For YOU

Are you trapped by credit card offers? You're bombarded with ads for colossal sign-up bonuses. And hear stories of friends booking international flights with...

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How to Choose The Best Rewards Credit Card in 2025: The One That’s Right For YOU

Are you trapped by credit card offers? You're bombarded with ads for colossal sign-up bonuses. And hear stories of friends booking international flights with...

What Credit Score Do You Start With? The Surprising Truth About Being Credit Invisible (2025 Guide)

"Michael, what credit score do you start at?" Itโ€™s a question Iโ€™ve heard countless times in my 25+ years as a financial advisor. Young...

The 15/3 Credit Hack: Fad, Fiction, or Fast Track to a Better Score? A Planner Exposes the Truth.

Alright, Michael Ryan here, and let's talk about something thatโ€™s been buzzing all over social media: the "15/3 credit hack." You've likely seen the videos. Someone...

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The History of Credit Cards: When Did Credit Cards Start Being Used?

Itโ€™s hard to imagine a world without them, but the plastic rectangle in your wallet is a relatively new invention. The story of the...

Best Credit Monitoring Services: Monitor Credit Score & Report to Stop ID Theft

Are you aware of the importance of credit monitoring services, credit report, and credit score in maintaining your financial well-being? In a world where...

How To Get Out of Debt Today With An Effective Debt Management Plan

Are you drowning in debt and don't know where to start? You're not alone. Millions of people are in the same boat, but there's...

How to Pay Off Credit Card Debt Fast: Experts Best Strategies for Debt Repayment

Is your credit card debt keeping you up at night? You're not alone. In fact, according to the Federal Reserve the average American has...

Looking For a Mortgage Loan? Learn to Understand & Choose The Right Mortgagesย 

Are you ready to take the plunge and become a homeowner? The first step in the homebuying process is getting a mortgage, and it's...

Unlock Savings: How to Refinance Your Auto Loan

Are you feeling burdened by your car loan payments? Did you know that refinancing your auto loan could be the solution you've been searching...

Auto Loan Pre-Approval: How To Get Preapproved For a Car Loan

Are you planning to buy a new car? Whether it's a brand new or used car, securing financing is often necessary. So, how can...

How Many Capital One Cards Can You Have? Michael Ryanโ€™s 2025 Guide to the Unwritten Rule

Just last month, in June 2025, a client came to me after being denied for a Capital One Venture X Rewards Credit Card despite...

What Is a Leap Guarantor? Your 2025 Guide to Stress-Free Renting

Picture this: youโ€™ve finally found the perfect apartment. The location is ideal, the rent is manageable, but thereโ€™s a catch. The landlord requires a...

Mastering the Art of Credit Card Balance Transfer: Guide to Optimize Credit Card Debt

Are you feeling suffocated by the weight of your credit card debt? Are you tired of seeing your hard-earned money vanish into a black...

Amazon Card Approval Odds: A No-BS Guide on How To Improve Them in 2025

You want that 5% back on every Amazon purchase, but a "hard inquiry" on your credit report for a denial is a steep price....

Student Loan Off Your Credit Report? Hereโ€™s Why (2025)

Did a student loan suddenly vanish from your credit report? Or are you trying to remove one? Before you celebrate or panic, let's be...