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Gerri Detweiler

Director of Consumer Education, Credit.com |  In Personal Finance, Managing Debt

Gerri Detweiler is Credit.com’s Director of Consumer Education. She focuses on helping people understand their credit and debt, and writes about those issues, as well as financial legislation, budgeting, debt recovery and savings strategies. She is also the co-author of Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights, and Reduce Stress: Real-Life Solutions for Solving Your Credit Crisis as well as host of TalkCreditRadio.com.

Form 982: The Way to Battle a 1099-C

Managing Debt

Form 982: The Way to Battle a 1099-C

Form 982: The Way to Battle a 1099-C

If you have received one or more of the estimated 5.5 million 1099-C forms being sent to taxpayers this year, then you may find yourself wrangling with Form 982. That’s the form that taxpayers who qualify to have the income listed on the 1099-C form excluded from their debt should fill out and include with… Read More

5 Ways Taxes Can Affect Your Credit

Credit 101

5 Ways Taxes Can Affect Your Credit

5 Ways Taxes Can Affect Your Credit

Tax time can be stressful enough without worrying about whether your tax issues will spill over to your credit reports and affect your scores. The good news is that simply filing an extension or finding that you owe the IRS a chunk of money come tax time shouldn’t affect your credit reports. It’s only when… Read More

FHA Loans to Get More Expensive

Mortgages

FHA Loans to Get More Expensive

FHA Loans to Get More Expensive

Big changes are in store for borrowers with Federal Housing Administration mortgages, as well as those who have been hoping to take advantage of the FHA program’s lower down payment options. FHA Commissioner Carol Galante has announced a series of changes to bolster the program’s financial health, but it will mean extra costs for most… Read More

Will These States Lead the Housing Recovery?

Mortgages

Will These States Lead the Housing Recovery?

Will These States Lead the Housing Recovery?

We’ve been inundated with news stories about the housing market recovery, along with a few counter-arguments by skeptics who think we still have a long way to go. These analyses tend to focus on prices, sales or new homes built. While those figures are important, they often leave out an important factor: credit. To buy… Read More

5 Loans That Don’t Require Good Credit

Credit Score

5 Loans That Don’t Require Good Credit

5 Loans That Don’t Require Good Credit

If you have bad credit or no credit, the thought of a lender looking at your credit is probably a little unnerving; sometimes terrifying is the word. But not all lenders require you to have stellar credit to get a loan. And a few won’t even check your credit reports or scores. Here are five… Read More

What Is a 1099-C? Your Top 11 Questions Answered

Credit 101

What Is a 1099-C? Your Top 11 Questions Answered

What Is a 1099-C? Your Top 11 Questions Answered

“What is a 1099-C?” That’s the question millions of taxpayers will be asking as these forms land in their mailboxes this year. An estimated 5.5 million 1099-C forms will be filed for the 2012 tax year. If you received one of these forms, your first reaction may have been one of panic. “Why did I… Read More

Credit Card Users: Beware of New Checkout Fee

Credit Cards

Credit Card Users: Beware of New Checkout Fee

Credit Card Users: Beware of New Checkout Fee

Are you about to be charged an extra fee if you pay for a purchase with a credit card? Perhaps. Under the terms of a settlement between retailers and card issuers Visa and MasterCard, retailers are now allowed to tack a “surcharge” — also referred to as a ‘checkout fee’ onto credit card purchases. But… Read More

Can Your Ex Spy on Your Credit?

Credit Score

Can Your Ex Spy on Your Credit?

Can Your Ex Spy on Your Credit?

You may think — or wish — that your ex is out your life. But what happens when your ex decides to check your credit? It may not be difficult; after all, they probably know your Social Security number, as well as lots of personal details that would make it easy for them to pretend… Read More

Negotiating With the IRS Just Got a Bit Easier

Personal Loans

Negotiating With the IRS Just Got a Bit Easier

Negotiating With the IRS Just Got a Bit Easier

If you owe the federal government a tax debt, it may be easier to strike a deal to settle your debt for less than the full balance through an Offer in Compromise, thanks to new guidelines recently issued by the Internal Revenue Service. Larry Heinkel, a Florida tax problem resolution lawyer says this change is… Read More

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