Will Bankruptcy Wipe Out All of My Debt?

Managing Debt

Will Bankruptcy Wipe Out All of My Debt?

Will Bankruptcy Wipe Out All of My Debt?

A reader, Susan, wondered if revised laws mean that bankruptcy no longer wipes out debt, and instead requires that debts be repaid. She wrote: You have to reorganize and pay what you owe, not wipe them out. Am I correct? Just asking. Glad you asked — it can be confusing, because it depends on what… Read More

4 Ways Peeps Are Like Payday Loans

Managing Debt

4 Ways Peeps Are Like Payday Loans

4 Ways Peeps Are Like Payday Loans

You see them at every grocery or drugstore checkout line — brightly colored Peeps calling to you from the display. Does anybody ever go to the store with Peeps on the list? Certainly nowhere near as many people as those who come home having purchased them. They’re not unlike payday loans — stay with me… Read More

Who Is Fair Isaac?

Credit Score

Who Is Fair Isaac?

Who Is Fair Isaac?

FICO is one of the best known names in the credit industry — it’s practically synonymous with credit scoring, despite the existence of hundreds of other scoring models. The first general-purpose credit score (Beacon at Equifax) came from FICO in 1989, effectively transforming the consumer lending landscape to heavily incorporate predictive analytics. Anyone who has… Read More

Rep. Cathy McMorris Rodgers: Equal Pay Is Just the Start

Personal Finance

Rep. Cathy McMorris Rodgers: Equal Pay Is Just the Start

Rep. Cathy McMorris Rodgers: Equal Pay Is Just the Start

If there’s one thing Washington is exceptionally good at, it’s politicizing the personal. In the past few weeks, the ongoing debate over “equal pay for equal work” has typified this type of unfair politicization – this time with women – and instead of working together on solutions to empower American women, it has only perpetuated… Read More

What Credit Cards Should I Avoid?

Credit Score

What Credit Cards Should I Avoid?

What Credit Cards Should I Avoid?

Between television commercials, and advertisements on the Internet and in your mailbox, there is no shortage of information about credit cards. But when it comes to determining which one you should get, a pretty good place to start, when sorting through the hundreds of cards on the market, is to eliminate those you should avoid…. Read More

3 Thrifty Things You Can Start Doing Today

Personal Finance

3 Thrifty Things You Can Start Doing Today

3 Thrifty Things You Can Start Doing Today

It’s easy to procrastinate, especially when it comes to things that aren’t fun. For many people, finances fall into that category. But putting off your financial responsibilities won’t make them go away — so it’s best to just get them done. Here are three thrifty things to do today to stay on financial track. Put… Read More

The Most Credit Card Hungry States

Personal Finance

The Most Credit Card Hungry States

The Most Credit Card Hungry States

There are many reasons to open a new credit card: Maybe you want to take advantage of its great rewards, transfer a balance from a different card with a higher interest rate, finance a large purchase, make ends meet in an emergency or increase your available credit limit. But in some states, credit card holders… Read More

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