Credit & Debt

The Total Amount of Credit Scores You Have Part 2

The Total Amount of Credit Scores You Have Part 2

Earlier this week, we published part one of You Have 30 or More Official Credit Scores, which included several options for fee-based services that provide credit scores. In part two, we explore the free options that are available for…

The Total Amount of Credit Scores You Have

The Total Amount of Credit Scores You 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 over 30 credit scores, a quick web search will also reveal seemingly endless…

The 9 Worst Credit Card Mistakes You Can Make

The 9 Worst Credit Card Mistakes You Can Make

Credit cards can be a convenient, safe way to make purchases and build your credit scores. Or they can be an expensive nightmare that could put you in bankruptcy court.

The difference isn't so much in the cards…

How to Get Out of Medical Debt

How to Get Out of Medical Debt

The good news first. More than 16 million previously uninsured Americans are now covered by Obamacare. The bad news: It sure doesn’t cover medical debt. And 70 percent of us are still struggling to get rid of it, according…

My Mom Racked Up Debt in My Name

My Mom Racked Up Debt in My Name

I had a very challenging upbringing. My parents got married very young, and they have been divorced since I was six months old. My mother has not been a source of stability, and she has a very tumultuous financial life…

How to Get Through the Holidays in Debt

How to Get Through the Holidays in Debt

Finding it hard to feel festive when all you can think about is that fat credit card bill or those student loans you’re (still) paying off? Unfortunately, you’re not alone: three in four American households are currently saddled…

How to Use Credit to Your Advantage

How to Use Credit to Your Advantage

We’re getting smarter about our credit cards: According to new Gallup research, more Americans are relying less on them. In fact, credit card ownership is at an all-time low, with 64 percent of those surveyed paying off their…

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…

How to Raise Your Credit Score

How to Raise Your Credit Score

If your credit score is under 700 (the number considered prime), you’re not alone. More than 55 percent of Americans have subprime credit scores, according to the 2015 Assets & Opportunity Scorecard.

But low scores don’t have to…

Credit Card Mistakes to Avoid

Credit Card Mistakes to Avoid

Credit cards can cause problems for those who overcharge and can’t pay their bills on time, but they can also be valuable tools for building credit history and reaping rewards. But to maximize credit cards as a valuable financial…

The Best Credit Card Benefits and Rewards

The Best Credit Card Benefits and Rewards

Sure, credit cards can be problematic if you carry big balances and don’t pay them off. But when managed properly, credit cards can actually save you money through valuable benefits.

But many cardholders don’t use — or even know…

What Debt Reduction Strategy Is the Best?

What Debt Reduction Strategy Is the Best?

So you’ve come to terms with the debt that you have, and you have some extra money in your cash flow to allocate toward additional debt payments. Now the question becomes: What debt reduction strategy is actually best…

How to Deal With Debt Collectors

How to Deal With Debt Collectors

You don’t have to be a hot financial mess to have collection accounts ruining your credit. Rosemary had great credit scores until a $46 medical bill went into collections. Her scores plummeted by more than 100 points and she…

Get Debt-Free in 2015

Get Debt-Free in 2015

If you’re like most people, one of your goals this year is to pay off your debts once and for all. But, before you can get down to the nitty-gritty of debt reduction, it’s important…

How To Pay Off Debt Control Your Debt Number

How To Pay Off Debt Control Your Debt Number

These are the days of quantified self. Using simple phone apps, we track our steps, count calories, analyze our sleep patterns and more; so that we begin to dwindle our lives down to mere numbers. Useful for goal setting? Yes…

What’s in a credit score?

What’s in a credit score?

Three things had to happen to give women access to credit: Recognition of women as separate people from their husbands, access to high-paying jobs, and changes to discriminatory legislation. Amazingly, these three things didn’t really ignite until…

Student Loan Myths

Student Loan Myths

With outstanding student loans in the US soaring to new heights in 2014, it’s not surprising that the topic of education debt has captured its fair share of headlines throughout the year.

One of the year’s…