Garit Boothe

I'm a money nerd, small business owner, and personal finance blogger. After job-hopping and ruining my credit in my early 20s, I decided to get serious about money and my career. Now I have top-tier credit, a successful small business, and am on a path to financial independence.

How Much Does Self Lender Raise Your Credit Score

How Much Does Self Raise Your Credit Score?

The Self (formerly Self Lender) credit builder loan product has been growing in popularity. Many customers find it a useful addition to their credit-building tool belt. But not everyone has a good experience. Here’s why.  How Much Does Self Boost Your Credit? According to Self, their customers’ credit scores increased by 32 points on average1. …

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Sample Letter to Remove Closed Accounts From Credit Report

Sample Letter to Remove Closed Accounts From Credit Report

A closed credit account is no longer active, meaning that no future transactions can be processed. For example, a credit card holder may choose to close their account if they no longer use the card, have fears of identity theft, or have financial hardship. A misconception exists that closing a credit card or paying off …

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Personal Income Statement

Personal Income Statement

This article is part of our series about financial literacy. You can find the links to the other articles at the bottom of the article. A personal income statement is a personal financial statement that outlines your income and expenses over a certain period of time, giving you some insight into your financial position. With …

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A Personal Financial Statement Example – What to Include

A personal financial statement is a document that summarizes an individual’s financial position at a specific moment in time. It typically contains a breakdown of all your assets and liabilities, giving you an insight into your financial position and financial health. Assets are things with economic value that you can turn into cash, such as …

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