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Kristy Welsh

In Credit Score, Credit 101

Kristy Welsh has been writing for 20 years on the subject of credit and debt and founded the website creditinfocenter.com in 1997. She has made it her life’s work to be a consumer advocate for those who have fallen on hard credit times. She also wrote the best selling book Good Credit is Sexy, now in its fourth edition. She has appeared in BusinessWeek and has been a guest on numerous radio shows. See more at kristywelsh.com and follow Kristy on Twitter.

How to Handle Debt & Maintain Your Mental Health

Managing Debt

How to Handle Debt & Maintain Your Mental Health

How to Handle Debt & Maintain Your Mental Health

It’s no secret that most people feel lousy when they’re in financial trouble, and one of the biggest financial stressors seems to be debt. When you’re in debt, simple tasks like going to your mailbox, where you anticipate finding an avalanche of bills or overdue notices, can bring on stress. If you relate to this... Read More

6 Ways to Save Money at Whole Foods

Personal Finance

6 Ways to Save Money at Whole Foods

6 Ways to Save Money at Whole Foods

If you love the quality of food and other items you can pick up at your local Whole Foods, but aren’t a fan of the expense of shopping there, you aren’t alone. That said, wouldn’t you like to know that you could actually save money by grocery shopping at Whole Foods? Here are six tips on... Read More

4 Key Differences Between Private & Federal Student Loans

Students

4 Key Differences Between Private & Federal Student Loans

4 Key Differences Between Private & Federal Student Loans

When looking to pay for college, you generally have four options to help you cover the bills: scholarships, grants, private student loans and federal student loans. Scholarships and grants provide money you don’t have to worry about repaying, but the two loans come with expectations that you’ll repay them. If you’re in the process of getting... Read More

7 Ways to Save at Costco

Personal Finance

7 Ways to Save at Costco

7 Ways to Save at Costco

If you look forward to Costco trips, but know it can be tough to get out of the store without spending $100 or more, listen up. There are ways to save at this warehouse store that don’t involve simply stopping at each of the sample stations instead of making lunch. Here are some tricks to help... Read More

10 Things That Don’t Affect Your Credit Scores

Credit Score

10 Things That Don’t Affect Your Credit Scores

10 Things That Don’t Affect Your Credit Scores

You may know that things like bankruptcies and maxing out your credit cards can have an effect on your credit scores. And you also probably know your credit benefits when you pay your credit card statements on time and limit the number of inquiries made on your credit. You may have even heard that those student... Read More

Disputing a Credit Card Charge: Know Your Rights

Credit Cards

Disputing a Credit Card Charge: Know Your Rights

Disputing a Credit Card Charge: Know Your Rights

Ever wanted to dispute a charge on your credit card bill that you don’t agree with? Well, thanks to the Fair Credit Billing Act (FCBA), you have the right to do so. “Many people don’t know about the FCBA, period,” Dr. Barbara O’Neil, a specialist in financial resource management at Rutgers Cooperative Extension, said. “If... Read More

What’s the Difference Between Secured Debt & Unsecured Debt?

Managing Debt

What’s the Difference Between Secured Debt & Unsecured Debt?

What’s the Difference Between Secured Debt & Unsecured Debt?

There are two types of debt: Secured, where a debt is tied to real property or accounts, and unsecured, which is debt that is not tied to any account. Secured Debt The most common forms of secured debt are auto loans and mortgages. What this means is, if a borrower defaults on their mortgage, the bank can foreclose... Read More

6 Big Mistakes People Make When Settling Debt

Managing Debt

6 Big Mistakes People Make When Settling Debt

6 Big Mistakes People Make When Settling Debt

If you can’t pay back a debt you may be able to settle it for less than what is owed. The goal in doing so is pretty straight forward — you want to get the creditor to accept a lower payment amount than the current balance on the loan or account. However, getting there can... Read More

6 Mistakes People Make When Disputing Errors on Their Credit Reports

Credit Score

6 Mistakes People Make When Disputing Errors on Their Credit Reports

6 Mistakes People Make When Disputing Errors on Their Credit Reports

In order to remove mistakes or clear up unsubstantiated information in your credit report, you’ll need to dispute the information, which is every consumer’s right under the Fair Credit Reporting Act (FCRA). However, disputing errors on your credit reports the wrong way could be damaging or ineffective. (If you need help writing a dispute, consider... Read More

6 Reasons to Think Twice About Co-Signing a Loan

Personal Finance

6 Reasons to Think Twice About Co-Signing a Loan

6 Reasons to Think Twice About Co-Signing a Loan

If your credit and finances are in good shape and you have friends or relatives who are not in such a good credit position, you may have been approached to co-sign for a loan or credit card. While your friend or relative may deserve the help, it’s not always wise to lend a hand to... Read More

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