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Robert Livingston's Articles in Finance

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  • Can Canceling a Credit Card Hurt My Credit Score?
    One of the most significant factors in your credit score besides your payment history is how much you owe in relation to how much credit you have. This accounts for 30% of your credit score. However, the amount you owe is not simply the total amount of debt, it's your debt in relation to how much credit you have. This is referred to as the credit-utilization ratio. Find out how canceling a credit card can affect your credit score
  • How Much Home Can You Afford to Buy?
    When buying a home, many questions and concerns may come to mind such as whether you have enough for a down payment, your credit rating and how to go about the whole process of finding a home and a home loan. However, one issue many home buyers overlook when starting their new home search is figuring out just how much home they can afford. In this article, I discuss how to figure out just how much home you can afford.
  • Saving Money With Credit Card Consolidation
    Credit cards have become a way of life for most individuals and families. The convenience of credit cards has led to their increased usage and with that increasing credit card debt. In many cases, credit card debt is spread out between many credit cards. Consolidating credit card debt may save you money. Find out in this article if credit card consolidation can save you money in this article.
  • What is a Debt Consolidation Loan?
    Would you like to potentially save money on your debt payments? Would you benefit by having all of your debt on one single account and by having only one bill to pay? If you answered, yes, to any of these questions, then a debt consolidation loan might be for you. Find out exactly what a debt consolidation loan is in this article.
  • You Can Get a Home Loan with Bad Credit - Find Out How
    If you have bad credit, then you know getting any kind of loan is difficult. With a home loan, you will face the same type of difficulties. Find out how to get a home loan with bad credit in this article.
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