
Credit Basics
Learn the basics of credit, including FICO scores, credit reporting, and identity theft.
Read full article, "Credit Basics".Learn the basics of credit, including FICO scores, credit reporting, and identity theft.
Read full article, "Credit Basics".Learn why you should, or should not, transfer your credit card balances to one card.
Read full article, "Credit Card Balance Transfers".Although most credit card bill collectors are respectful, some are downright rude. Some may even be breaking the law. Learn how you should be dealing with these bill collectors.
Read full article, "Communicating With Credit Card Bill Collectors".For millions of Americans, their budget doesn't allow them to make more than the minimum monthly payment on their credit cards every month. But, continuing this practice could keep them in debt for decades.
Read full article, "Credit Card Minimum Monthly Payments".Learn about fraudulent activities involving the sale of credit card protection insurance.
Read full article, "Credit Card Protection Fraud".Do you need credit card protection insurance, or is it a waste of money? Learn more about this insurance option here.
Read full article, "Credit Card Protection Insurance".Are you getting the most out of your credit card rewards program, or are you leaving money (and miles) on the table?
Read full article, "Credit Card Rewards Programs".Did you know that your credit score could affect the amount you pay for insurance? Well...it can.
Read full article, "Credit Scores & Insurance".FICO Score, average daily balance, introductory rate, periodic rate - just some of the credit terms that every consumer should be familiar with.
Read full article, "Credit Terms".Learn how to calculate your debt-to-income ratio and why it's important to keep this ratio as low as possible.
Read full article, "Debt-to-Income Ratio".It is estimated that well over 40 million Americans have credit report errors. Learn how to check for errors on your credit report and what to do if you find one.
Read full article, "Disputing Credit Reports".The Fair Isaac Company (FICO) has developed a new score for banks to use in order to decide whether or not to extend credit to someone with no credit history.
Read full article, "FICO Expansion Scores".What is a credit card? How does it work? What types of credit cards are there? What types of fees are assessed? Find out all about credit cards here.
Read full article, "How Credit Cards Work".No one is perfect, especially when it comes to their finances. If you've had a hiccup or two in your credit profile, there are ways to re-establish the good credit you deserve.
Read full article, "Re-Establishing Good Credit".If you're planning to travel, especially abroad, your identity (and wallet) could be in jeopardy. But there are some things you can do to reduce your risks before and during your trip.
Read full article, "Safeguard Your Money While Traveling".Congratulations! You've been pre-selected! Or, is it pre-approved? What's the difference? What is an introductory rate and what does grace period mean? Learn the basics of a credit card application before you sign it.
Read full article, "Understanding Credit Card Applications".A credit report can be a very complicated document, but everyone should be well-versed on such an extrememly important record! Learn about the structure of a credit report and what it all means.
Read full article, "Understanding Credit Reports".Ever wonder how a credit score is calculated? Would you be surprised to learn that your balances make up 30% of your score and simply paying them down could skyrocket your score? What else is a FICO score made of?
Read full article, "Understanding Credit Scores".Too many of us choose to live outside of our means by purchasing items that we simply don't need. If you can't afford to pay off your credit card balances every month, the interest charges could keep this balance alive for many, many years.
Read full article, "Using Credit Responsibly".Some people think that when an account charges-ff, they no longer owe the balance. Unfortunately, this is far from the truth. A charge off is one of the worst marks to have on your credit report, and it will stay there for 7 years. Safe to say, we need to avoid letting this happen.
Read full article, "What is a Charge-Off?".Havig good credit, as opposed to bad, or poor credit, can save you thousands of dollars in interest, whether it's a new car, a mortgage, or a credit card.
Read full article, "What is Good Credit?".