Bev O'Shea Gravatar

Bev O'Shea

Editor |  In Personal Finance, Credit Score

Bev O’Shea lives and works in the foothills of the Appalachians, where she helps edit the Credit.com blog. A former editor of MSN’s Smart Spending blog, she’s a fan of sunsets, college football and free shipping.

We Paid Off $90K of Debt in 4 Years

Managing Debt

We Paid Off $90K of Debt in 4 Years

We Paid Off $90K of Debt in 4 Years

Paul and Joan Ostroff went into debt trying to give their son, Andrew, a shot at getting past a learning disability so that he might be able to go to college. Joan, a preschool and elementary teacher, knew something wasn’t right and that their son had some learning delays. She had the public school evaluate… Read More

3 Ways Love Can Affect Your Credit Scores

Credit Score

3 Ways Love Can Affect Your Credit Scores

3 Ways Love Can Affect Your Credit Scores

Falling in love may make your heart sing, but it won’t make a bit of difference in your credit scores — those generally stay separate. That’s unless you feel moved to do something like … co-sign a loan, sign up for credit jointly or use a lot of your available credit to finance a big… Read More

My Mortgage Lender Wrecked My Credit

Credit Score

My Mortgage Lender Wrecked My Credit

My Mortgage Lender Wrecked My Credit

A reader, Shelly, recently told us she applied for a mortgage while her home was under construction. She had given the lender permission to pull her credit reports, which is routine in such a situation. However, she recently learned that she won’t be eligible for the interest rate she expected — and will have to… Read More

Can I Pay a Creditor Less Than I Owe?

Managing Debt

Can I Pay a Creditor Less Than I Owe?

Can I Pay a Creditor Less Than I Owe?

Several readers have recently asked, in different ways, whether a creditor must accept partial payments if that’s what only what those in debt can afford. One was paying off a large hospital bill, $50 at a time, and was told her monthly payments needed to be substantially larger. Another had been told to pay a… Read More

Could Your Grandchildren Ruin Your Retirement?

Personal Finance

Could Your Grandchildren Ruin Your Retirement?

Could Your Grandchildren Ruin Your Retirement?

They were your pride and joy when they were younger, and now your grandkids are on the cusp of adulthood, brimming with promise but low on money. Maybe they’ve asked you to help, or maybe you just can’t stand the thought of them having to go without something they (or you) think they need. What’s… Read More

Why Is My Spouse’s Credit Score Higher Than Mine?

Credit Score

Why Is My Spouse’s Credit Score Higher Than Mine?

Why Is My Spouse’s Credit Score Higher Than Mine?

My husband and I refinanced a mortgage recently, and among the dizzying array of numbers we looked at were our credit scores — three apiece for each of us. Mine were lower. Every single one was lower. This despite my being the family finance nerd and the payer of bills (even the instigator of the… Read More

How Will a Co-Signed Loan Help My Credit?

Credit Score

How Will a Co-Signed Loan Help My Credit?

How Will a Co-Signed Loan Help My Credit?

A Credit.com reader named Scott bought a car that had mechanical problems, and he was able to return it to the dealer and buy a different car. For his loan on the second car, he was required to have a co-signer. But when he saw the paperwork, the co-signer was listed as the buyer, and… Read More

Help! I Think Someone’s Using My Social Security Number

Identity Theft

Help! I Think Someone’s Using My Social Security Number

Help! I Think Someone’s Using My Social Security Number

Imagine going to your mailbox and getting a letter from a collection agency regarding a medical bill that you don’t recognize, and that was incurred in a state where you don’t live. Also troubling: The collection agency has your Social Security number, but it’s definitely not your bill. A reader named Sharon faced exactly that situation… Read More

Show Me More by Bev O'Shea

Find out where you stand.
Get your FREE personalized credit report card.

Sign Up Now
X

Start Maximizing Your Credit Today

Credit ScoreGet a FREE personalized credit check-up today.

Get Started - It's Free!