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Should you apply for a retail store credit card?

For starters, a retail store credit card is a physical charge card that gives you credit for a specific retailer.  The amount of credit given can vary depending on your current credit score. More


Should I apply for a retail credit card?

For starters, a retail store credit card is a physical charge card that gives you credit for a specific retailer.  The amount of credit given can vary depending on your current credit score. More


UltraFICO

Consumers with low credit scores may soon have a way to boost that three-digit number! A new product is supposed to become available in Summer 2019 and it will be geared towards consumers with low cre


4 Financial New Year's Resolutions

It’s a situation familiar to many Americans: After indulging


Smart Checking Program

CCCS of Rochester has been partnering with financial institu


Protect your Identity

Identity Theft is quickly becoming one of the most organized


Tuition-Free Degree Program: The Excelsior Scholarship

Recently, Governor Andrew Cuomo announced the Excelsior scholarship, which will provide tuition-free college at New York’s public colleges and universities to families making up to $125,000 a ye


Tips for Retirement

Here are a few tips to consider at different phases of life to make sure you are on the right track to retirement readiness. If you're in your 20s, yo


How Many Credit Scores Do I Have?

Often we hear from our clients that they checked their credit score through a free site such as Credit Karma and were shown a high credit score but ye


Getting out of Debt in 2017

Getting out of Debt in 2017 The holidays have come and gone.  This time of year is a great time to think about goals for the new year. Make the commit


IRS Phone Scams

There are a number of different phone scams that are currently going on, including people claiming to be the Internal Revenue Service (IRS).  These types of scams are normally very sophisticated


Saving for Summer Vacation

During the summer no one wants to stay inside. To ensure that you will be able to enjoy your summer to the fullest, here are some tips to help plan ahead. These are important to make sure that you are


Breadwinner Moms, Make the Call

When you just can’t seem to get out from under your bills and your family’s future is becoming harder to focus on, it’s easy to feel overwhelmed and a little lost. You aren’t.


Don't Let Debt Keep You Down, Soldier

Struggling with debt is bad enough – whether you’re a veteran or are about to transition into civilian life – but when you’re actively deployed, it


Pooled Trust

A pooled trust is a trust established and administered by a non-profit organization. According to Federal and New York State laws a person of any age


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