Editor | In Personal Finance, Credit Score
Bev O’Shea lives and works in the foothills of the Appalachians. A former editor of MSN’s Smart Spending blog, she’s a fan of sunsets, college football and free shipping.
A reader, Susan, reached out to us to find out if she had any chance of getting a judgment for a medical collections overturned. She said she never received a bill, and the original creditor, a doctor’s billing company, didn’t have a record of it either. But it was on her credit report. And so... Read More
Debit cards can have a lot of appeal — especially if credit cards have resulted in statement shock, overdraft fees and even regret. So it’s not hard to understand why some people cut up their credit cards, put them on ice (literally) or decide they will, from here on out, use only debit cards. It... Read More
Let’s say you have a new credit card embedded with an EMV chip and a card with only a magnetic stripe (your EMV chip card should also have a magnetic stripe). Should you automatically start giving preference to the card with the chip? What if you get better rewards in certain categories if you use... Read More
If your favorite retailers have your email address, you’ve probably already gotten an email suggesting that, if you love shopping there, you might like working there (and getting an employee discount). Whether you got one of those emails or not, now — yes, well before Halloween — is the time to begin considering your options... Read More
A Credit.com reader recently reached out to us wanting to help her daughter, whose credit is being trashed because of a medical bill from when she was a teenager — old enough to be held financially responsible, but not old enough to consent to treatment. Here’s what she told us: My daughter received care at age 18... Read More
Americans are major multi-taskers. Sometimes we don’t want to do one thing, when we could be doing two (or more). Apparently, that goes for online shopping. It’s not terribly surprising that 35.5% of us say we’ve shopped in bed. After all, that’s just a step beyond looking through ads in a magazine. But in the bathroom?... Read More
When you don’t have a lot of money to work with, trying to manage it can seem all but futile. It can feel like “money management” is best left to people who have a lot more resources. (And when you don’t have much to manage, who can afford to hire someone to help figure out... Read More
It would be unkind to say I am a total failure in the world of domestic home-improvement projects. Not inaccurate, just unkind. Because I really try. And luckily for the retailers who sell dreams of being successful next time, I never completely give up. Which is why I should stay out of stores with painted... Read More
Around November of last year, a new Nissan Leaf turned up in our driveway, partly thanks to generous incentives from federal and state governments. And then, thanks to a safety feature we wanted (a front and side camera), the options package included a high-end sound system and a free three-month trial of satellite radio. It was,... Read More
A reader wrote to us to ask about canceling a credit card belonging to her husband, who has dementia. The card, which had never been used, had begun to charge an annual fee. She has power of attorney, but the card issuer still refused to allow her to close the account. She wrote: Since I can’t close the account... Read More
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