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Contributor |  In Personal Finance, Mortgages

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The Bad Stuff Is Off My Credit Report. Will My Credit Score Go Up?

Credit Score

The Bad Stuff Is Off My Credit Report. Will My Credit Score Go Up?

The Bad Stuff Is Off My Credit Report. Will My Credit Score Go Up?

So you’ve had some negative items on your credit reports — maybe you had late payments, or you defaulted on a credit card, mortgage or other kind of debt, or had collection accounts in your name.  Now you’ve resolved the problems with your creditors.  Or you might have found errors on your credit reports, or... Read More

Can a Debt Collector Garnish My Wages?

Managing Debt

Can a Debt Collector Garnish My Wages?

Can a Debt Collector Garnish My Wages?

If you’re late on your credit card payments, should you be worried about whether a debt collector can garnish your wages? A debt collector can, in fact, garnish your wages, but only if it’s legal to do so in your state. For this to happen, a lawsuit must be filed against you. A possible outcome... Read More

Higher Mortgage Rates Haven’t Deterred Buyers

Mortgages

Higher Mortgage Rates Haven’t Deterred Buyers

Higher Mortgage Rates Haven’t Deterred Buyers

In the past few weeks the cost of obtaining a new mortgage has climbed as a result of higher mortgage rates. And while consumers are expressing worries over this new trend, those fears have not yet translated to the market itself. At the end of June, 13 percent of consumers said that if mortgage interest... Read More

Consumers Making Fewer Late Payments

Managing Debt

Consumers Making Fewer Late Payments

Consumers Making Fewer Late Payments

The recent economic downturn caused many Americans to take a hard look at how they handle their finances, changing many of their spending and borrowing habits. That, in turn, has led to the massive declines in delinquency and default during the past few years, and this trend continued through the end of the first quarter... Read More

The Fast Way to Find Out If Your Identity Has Been Stolen

Identity Theft

The Fast Way to Find Out If Your Identity Has Been Stolen

The Fast Way to Find Out If Your Identity Has Been Stolen

Credit.com Co-Founder and Chairman Adam Levin answers a reader’s question about the fastest way to find out if her identity has been stolen, and how she can maintain her credit if it has been compromised. If you’re worried about your identity being stolen, you can monitor your credit for free using the Credit Report Card.... Read More

IRS Exposed Hundreds of Social Security Numbers

Identity Theft

IRS Exposed Hundreds of Social Security Numbers

IRS Exposed Hundreds of Social Security Numbers

Data breaches are becoming quite common, especially for government agencies. The latest such incident involved the Internal Revenue Service, and could potentially leave tens of thousands of people exposed. The breach itself was discovered by nonprofit watchdog group Public.Resource.Org, and could have lasted less than 24 hours, but potentially much longer, according to a report from the... Read More

Younger Generations More Likely to Buy a Home

Mortgages

Younger Generations More Likely to Buy a Home

Younger Generations More Likely to Buy a Home

The economic recovery has brought with it significant improvements in the national housing market. And now many consumers are in a better position to buy a home after dealing with many financial problems just a few years ago. But with that change comes shifting demographics of who homebuyers generally are, according to the inaugural Home Buyer... Read More

What’s Used to Determine My Credit Score?

Credit Score

What’s Used to Determine My Credit Score?

What’s Used to Determine My Credit Score?

Credit scoring can be a mystery, but it doesn’t have to be. While there are many different types of credit scores that lenders use, there are some basic guiding principles to what determines your credit score. By knowing these factors, you can be more proactive in working toward having better credit and a stronger credit... Read More

JPMorgan Admits Debt Collection Mistakes

Managing Debt

JPMorgan Admits Debt Collection Mistakes

JPMorgan Admits Debt Collection Mistakes

One of the nation’s largest financial institutions seems poised to be hit with massive regulatory charges from state and federal agencies over allegations that it improperly pursued what it said were delinquent and defaulted debts, and now the company, through an internal study, has admitted as much. JPMorgan Chase recently acknowledged that it made a number of... Read More

Are You Charging More? Credit Card Debt Surges 9.3%

Credit Cards

Are You Charging More? Credit Card Debt Surges 9.3%

Are You Charging More? Credit Card Debt Surges 9.3%

The improving economy has led some consumers to behave in ways they may not have in the past few years, and this change was recently reflected by a significant uptick in nearly all types of borrowing in May. The total amount of credit card debt held nationwide surged 9.3 percent in May, rising to $856.5 billion from the previous... Read More

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