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Credit

Why I Ditched My Department Store Credit Card

I remember when I opened my first department store credit card in Manhattan nearly 20 years ago. At the time, you were allowed to open a line of credit for $1,000 on the spot whether or not they eventually approved your card, which took several...

7 Credit Score Myths Debunked

Your credit score is more important than ever, as loans and credit have become increasingly hard to come by. Credit scores determine whether you can finance a car or a house, get an apartment and possibly whether you will be hired for your next...

Infographic: Add It Up—What Goes into Your Credit Score?

What's a good score? Aside from the VantageScore, which accounts for a small percentage of credit reports, most scoring models don't veer far from FICO's 300 to 850 range.

Surprise! 9 Credit Card Perks

Credit card companies have got you covered in ways you may not know about. Taking advantage of all these hidden perks may save you hundreds of dollars a year. People often forget about these perks because they may not take the time to read more...

6 Ways to Improve Your Credit Score Now

Improving your credit score does require some patience and perseverance -- a significant increase can take 12 months or more, according to experts. But it’s worth the effort. A jump of even 100 points can translate into thousands of dollars in...

How I Ditched My Debt for Good

If you're in debt, you may have experienced this before: the moment when you get yourself together and finally sit down to tackle your debt you're thinking, “Yes, this is it, I got this!” But then it happens--you're suddenly surrounded by...

How Refinancing Before Sandy Helped Us After

It was the rarest of July afternoons: The kids were at playdates, and I didn’t have to work. I had two choices. I could relish a rare day alone at the beach. Or I could sit at my desk and finish what I had spent months procrastinating about:...

What a Super High Score Gets You

You've got a great credit score. Solid 750-something. Is it worth the effort to push it a little higher?Would we waste your time telling you no?“The difference is a much better rate on everything,” says Linda Ferrari, author of The Big Score:...

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