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

Yikes! I Owe the IRS $5,443 By April 15

Personal Finance

Yikes! I Owe the IRS $5,443 By April 15

Yikes! I Owe the IRS $5,443 By April 15

When I first met with my CPA in 2014, we did my 2013 taxes and I got a stack of estimated tax vouchers for 2014. I mailed those off at their respective times, and paid a total of $2,859 in estimated taxes, to match the numbers on the vouchers. I began to suspect, as we… Read More

4 Ways You Can Wreck Somebody Else’s Credit

Credit 101

4 Ways You Can Wreck Somebody Else’s Credit

4 Ways You Can Wreck Somebody Else’s Credit

Nothing can sour a relationship faster than abusing trust — and when it comes to credit, it can happen by accident. A friend does you a favor, and then what should have been your problem somehow becomes theirs. Damaging someone else’s credit is easier to do than you might think, and repairing trust can be… Read More

Are the Best Credit Cards Too Hard to Get?

Credit Cards

Are the Best Credit Cards Too Hard to Get?

Are the Best Credit Cards Too Hard to Get?

On a radio interview recently I was talking about some of the best credit cards from Credit.com’s Best Credit Cards in America series, including cards with great rewards programs, 0% balance transfers and loads of perks. The host agreed they sounded great, “But they’re only for people with perfect credit, right?” he asked. It’s a common perception… Read More

Can I Bypass a Debt Collector?

Managing Debt

Can I Bypass a Debt Collector?

Can I Bypass a Debt Collector?

When I am assisting people to resolve unpaid bills I’m often asked, “Why do I have to pay the debt collector? Why can’t I just pay my creditor or lender and avoid the collector all together?” A reader recently wrote in with just this question: I have a $5,000 balance on my credit card and… Read More

How I Paid Off $10K of Debt in One Year

Managing Debt

How I Paid Off $10K of Debt in One Year

How I Paid Off $10K of Debt in One Year

Moving to the U.S. quickly taught Ronald Rauga two financial lessons: College is expensive, and credit cards are easy to get. At least, that’s how it was for him when he left Kenya for Orange County, Calif., in 1998. He came to the U.S. to go to college, and during his first week in the… Read More

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