5 Members-Only Credit Cards You Can Actually Get

Credit Cards

5 Members-Only Credit Cards You Can Actually Get

5 Members-Only Credit Cards You Can Actually Get

Most credit card issuers are only too happy to accept your application, as the credit card industry is extremely competitive. At the same time, there are still some cards that are offered only to a select group of applicants, depending on their relationship with a particular organization. And in some cases, these cards can offer exceptional value…. Read More

How Long Can Student Loans Hurt Your Credit?

Students

How Long Can Student Loans Hurt Your Credit?

How Long Can Student Loans Hurt Your Credit?

We get questions and comments from distressed student borrowers wondering exactly how long missteps in repaying their student loans are likely to continue to hurt their credit. It can feel like student loans cast a very long shadow that is hard to escape. How long student loan problems can affect your credit isn’t always clear,… Read More

The 2 Words Debt Collectors Don’t Want to Hear

Managing Debt

The 2 Words Debt Collectors Don’t Want to Hear

The 2 Words Debt Collectors Don’t Want to Hear

While much of the debt collection world is straightforward and, quite honestly, a little boring, some people in the industry treat it like a free-for-all. “There are widespread attempts to add charges to debts that aren’t legal. Excess interest is something we’ve encountered quite frequently,” said Daniel Edelman, consumer law attorney, founder and partner at… Read More

6 Red Flags That Can Get You Audited

Personal Finance

6 Red Flags That Can Get You Audited

6 Red Flags That Can Get You Audited

There’s nothing quite as heart-stopping as a notice from the IRS. Sometimes it’s to raise a question about an item on your return; other times you may get a notice that you owe money. If you’re really unlucky, you may find out the IRS is auditing your return. Fortunately, about 80% of audits are simply… Read More

When Your College ID Is Also Your Debit Card, Beware of the Fees

Students

When Your College ID Is Also Your Debit Card, Beware of the Fees

When Your College ID Is Also Your Debit Card, Beware of the Fees

Many college students are losing hundreds of dollars of their student loan funds to debit card overdraft fees, a new report on school-offered debit cards concludes. The Center for Responsible Lending analyzed exclusive debit card partnerships between several large universities and banks to see how these products affect students, and the findings suggest students might be better… Read More

The ‘Free’ Federal Grant Scam Is Back

Identity Theft

The ‘Free’ Federal Grant Scam Is Back

The ‘Free’ Federal Grant Scam Is Back

The Better Business Bureau has posted a warning to consumers about a free-grant scam that could cost victims the contents of their entire bank accounts. It starts with a message — phone, email, social media, anything — saying the government is offering free grant money, and your application is guaranteed to be accepted. They’re pitching… Read More

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