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.

How to Deal With Black Friday Buyer’s Remorse

Personal Finance

How to Deal With Black Friday Buyer’s Remorse

How to Deal With Black Friday Buyer’s Remorse

Let’s say you shopped the Black Friday and Cyber Week sales thinking prices were as low as they were going to go, and then they dropped. And now, instead of feeling brilliant for snagging a bargain, you wish you’d waited. Unfortunately, I know exactly how you feel. Some credit cards offer price protection (like Citi’s… Read More

5 Creative Ways to Give Cash for Christmas

Personal Finance

5 Creative Ways to Give Cash for Christmas

5 Creative Ways to Give Cash for Christmas

We know … just about everyone loves gift cards. Most people have them on their wish lists, and most of us plan to give them this holiday season. And yet, not everyone’s a fan. Consumer advocate and author Clark Howard hates them so much he designed a gift certificate to give with the cash to… Read More

Can Debt Collectors Call Your Workplace?

Managing Debt

Can Debt Collectors Call Your Workplace?

Can Debt Collectors Call Your Workplace?

You already know that potential employers can find out a bit about your debt when a credit report check is part of the application process. But can a debt collector call your employer to ask questions about your job? A reader, Kimmie, posed this question on our blog recently: Does a collection agency have the right… Read More

5 Holiday Shopping Pitfalls to Avoid

Personal Finance

5 Holiday Shopping Pitfalls to Avoid

5 Holiday Shopping Pitfalls to Avoid

Most of us are planning to spend a little more on holiday shopping this year — an average of more than $1,000, according to data recently released by Discover, and Americans are again looking to squeeze the most value out of every shopping dollar. That’s why the leaked Black Friday ads are being scrutinized now… Read More

Can You Finance a New iPad?

Personal Finance

Can You Finance a New iPad?

Can You Finance a New iPad?

If you go to the Apple website or into an Apple store, you’ll see them: offers to finance an iPad at 0% interest, for six, 12 or 18 months, depending on how much you spend. And we’re close to the holidays . . . and there’s the new Air model, or the Mini with Retina… Read More

7 Things Your Credit Score Doesn’t Reveal

Credit Score

7 Things Your Credit Score Doesn’t Reveal

7 Things Your Credit Score Doesn’t Reveal

Three crucial digits can profoundly affect your financial life, including the interest rates you pay on mortgages or car loans and whether you can actually have that credit card you were invited to apply for. Credit scores take into consideration the mix of credit you have (say, mortgage, credit cards and car loan), your payment… Read More

7 Unexpected Ways to Use Prepaid Cards

Credit Cards

7 Unexpected Ways to Use Prepaid Cards

7 Unexpected Ways to Use Prepaid Cards

About a decade ago, when prepaid debit cards were new, they quickly earned a reputation as fee-laden plastic marketed mainly to the “unbanked” or the “underbanked” – people whose credit histories or mistrust of financial institutions made them poor candidates for traditional banking services. While the cards were (usually) an improvement over paying check-cashing services and… Read More

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