Who we are

Our website address is: https://eyeonyourcredit.com.

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

 If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Who we share your data with

If you request a password reset, your IP address will be included in the reset email.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where your data is sent

Visitor comments may be checked through an automated spam detection service.

 

Latest Posts

50/30/20 Rule Calculator

50/30/20 Rule Calculator — What it is and how it helps Our 50/30/20 rule calculator makes budgeting simple. Enter your monthly take-home income and it instantly splits your money into three clear buckets: 50% Needs (rent, utilities, groceries, minimum debt payments), 30% Wants (nice-to-haves), and 20% Savings/Debt (emergency fund, extra repayments). If you’ve struggled to […]

Read more →

Debt Snowball Calculator

💡 What is the Debt Snowball — and what does this calculator do? The Debt Snowball is a simple, motivating way to clear debts faster. Instead of spreading yourself thin, you focus on paying off the smallest balance first, while keeping up the minimums on everything else. When that first debt is gone, you roll […]

Read more →

Early Loan Payoff Calculator

What This Early Loan Payoff Calculator Does — and Why It Matters Managing a loan isn’t just about making the minimum payment each month. It’s about understanding how your payments shape the time left on your balance and how small changes can save you hundreds—or even thousands—over the life of the loan. The Early Loan […]

Read more →

Simple vs Compound Interest

Simple vs. Compound Interest: What’s the Real Difference? Plain-English guide with examples, quick tips, and smart comparisons. What This Means in Real Life When you borrow, you pay for the money you use. When you save or invest, you’re paid for letting someone else use your money. With simple interest, the charge or return sticks […]

Read more →

Fixed vs Variable APR

Fixed vs Variable APR: What Is APR & What Does “Per Annum” Mean for Interest? (With clear UK vs US differences where it matters) APR shows up on every credit ad, card agreement, and mortgage page. It looks like the only number you need. Helpful? Yes. Complete? Not quite. Here’s the plain-English guide to what […]

Read more →

Payment Due Date vs Closing Date

Credit Card Basics Billing Cycles, Due Dates, and Smart Payment Strategies Being credit card savvy starts with knowing the dates when everything happens. Know your billing cycle and the dates that guide it. The dates tell you when your credit card statement arrives, the date you must pay by, and when your balance might be […]

Read more →

Second Chance Bank Account

Second Chance Bank Accounts: A Fresh Start for Your Finances Rebuild your access to banking, avoid fees, and move forward with confidence. Life happens. Sometimes bills pile up, payments get missed, or overdrafts spiral out of control. Many people find themselves shut out of traditional banks because of past mistakes. If that’s your story, you’re […]

Read more →

Why Did My Credit Score Drop?

Why Did My Credit Score Drop? Simple Reasons and How to Fix It Your credit score is your report card for how you manage money. One day it looks fine. The next day it drops. When that happens, it can feel scary. You wonder what went wrong. You may even ask: why did my credit […]

Read more →