Credit

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:...

They've Got Your Back

Do you ever check your balance on your phone and stop to wonder whether it's safe? Who's keeping track of all the financial products, gadgets, apps, and new rules that make financial life seem so fraught these days? Meet the Consumer Financial...

Is Your Debt Ratio Healthy?

How do you know if your debt ratio is healthy?Let’s say you’re making a good salary, but you’ve got a big mortgage and car loan. Is there a point at which you’re tipping the scales and being weighed down with too much debt?One way to gauge is by...

Co-Sign at Your Own Risk

Should you co-sign a loan or credit card for a friend or relative? I get this question a lot, especially since  the economic downturn has made it harder for people to obtain loans.   There are certainly situations where you might be inclined to...

Get More for Your Rewards

You spend a lot on your cards and you want all the perks you deserve. With so many options (flights! merch! cash!) how do you get the most for your hard-swiped points?  Best Cash back. Redeeming points for cash is a smart way to go, experts say....

Be Smart About Store Cards

Store cards: friend or foe? Given how tempting that on-the-spot 15 percent discount can be, signing up for a store card is hard to resist—and may even be worth it. But retail cards can also compromise your credit in ways you may not realize, says...

5 Best Cash-Back Cards

Want a great reward card? Now is the time to pick one, says credit expert Erica Sandberg of CreditCards.com. “Card companies really want your business, so they’re finding ways to make their cards as appealing as possible.” These days you can get...

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