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

Financial Woes Plague the Smartphone Dependent

Personal Finance

Financial Woes Plague the Smartphone Dependent

Financial Woes Plague the Smartphone Dependent

A fast-growing portion of Americans depend only on smartphones for Internet access, but nearly half of that group faces high rates of service interruption for financial reasons, according to a new study conducted by the Pew Research Center. This “smartphone dependent” group tends to be poor and non-White, Pew says, raising the possibility of a… Read More

Can a New Government Toolkit Simplify Homebuying?

Mortgages

Can a New Government Toolkit Simplify Homebuying?

Can a New Government Toolkit Simplify Homebuying?

Thinking about buying a home? A new, free toolkit might help you make better decisions, and avoid falling into common traps in the process. The Consumer Financial Protection Bureau released its new “Your Home Loan Toolkit” Tuesday, with the goal of making home purchases as easy as 1 – 2 – 3. As in, 1:… 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

What’s Your College Degree’s Return on Investment?

Students

What’s Your College Degree’s Return on Investment?

What’s Your College Degree’s Return on Investment?

Are you a high school senior? It’s fast approaching the time of year when you’ll be making your final college decisions, but the criteria that you have traditionally been told to use when making these decisions could lead you to make choices that you’ll regret later. Most students have been told that the quality of… 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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