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How to Read a Credit Report Understanding how to read a credit report is key to understanding your credit score. By reviewing your credit reports, you’ll be able to get a clearer picture of your overall credit health, and you’ll know if you need to make...

If you’ve been researching debt relief options, you’ve likely come across the term “debt settlement” before. If this term sounds confusing or complicated to you, you’re not alone. Although settlement can be a very effective method eliminating debt, many people are unfamiliar with the process....

Personal finance is not everyone’s strong suit, and many people struggle to manage their money correctly from month to month. Understanding money management and saving better will give you financial peace of mind. Pivotal Wealth specializes in helping individuals and families become debt free and...

With all of the different ins and outs of credit and the complexities surrounding credit cards, many of us get confused and end up misinformed. Following incorrect advice could end up seriously hurting your credit score, and Pivotal Wealth wants to debunk some of those...

An emergency fund is one of the most important parts of a solid financial plan. Not only does an emergency fund offer you peace of mind, it can also prevent you from going any further into debt. At Pivotal Wealth, we specialize in getting people...

Getting into debt can be so easy, but getting out of debt is often painfully difficult. If you’ve found yourself trapped in a mountain of debt, you’re likely searching for any way to pay down your balance and get out of debt. Read on to...

If you find yourself falling behind on your bills, the debt collectors will likely come calling. Debt collectors are legally obligated to follow certain guidelines when collecting debts. Getting calls or a notice from a collections agency can be stressful, but if you know your...