Credit & Debt

How to Close a Credit Card

How to Close a Credit Card

If you’re no longer using a particular credit card, there are financial benefits to keeping it open — as long as it’s free. But if it’s costing you unnecessary fees (or tempting you to spend), make sure to…

Debt Consolidation 101: What to Know

Debt Consolidation 101: What to Know

Debt consolidation can help you pay off what you owe faster and more conveniently, with one payment instead of many. But if you choose the wrong method, you could waste your money and end up deeper in debt.

The first…

6 Surefire Ways To Fix Your Credit

6 Surefire Ways To Fix Your Credit

A reader named Val wrote me after a stint of unemployment left her drowning in medical bills, student loan debt and collection accounts. She was working again, but the pay wasn’t great and she wondered if her credit would…

How Often Should You Check Your Credit Report?

How Often Should You Check Your Credit Report?

Ever wonder why you can check your credit report for free once per year? Or why the government website that allows those free checks is named AnnualCreditReport.com? Probably because it's a good rule of thumb to keep tabs on your credit report on an annual basis.
4 Easy Hacks to Increase Your Credit Score

4 Easy Hacks to Increase Your Credit Score

Losing points from your credit score is all too easy — and getting them back is hard. But if you know how credit scoring works, you can hack the process to rehabilitate your numbers faster. Here are four effective strategies to…

How I Paid off $35,000 in Debt

How I Paid off $35,000 in Debt

It wasn't until my husband and I had our first child and the medical bills started rolling in that I really started to take a serious look at our debt.
How Many Credit Scores Do I Have?

How Many Credit Scores Do I Have?

Most people think they have just one credit score, and that all lenders use this single score to measure your creditworthiness. But not only do you have more than 30 credit scores, a quick web search also will reveal seemingly…

Why I Gave up on My Debt-Free Dream

Why I Gave up on My Debt-Free Dream

At 22, I was drowning in debt from college expenses, a new baby, and a house my husband and I weren’t ready to buy. Our son spent the first week of his life in the hospital, and large hospital…