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Should Grandparents Worry About Their Credit?

Should Grandparents Worry About Their Credit?

Should Grandparents Worry About Their Credit?

Older Americans may seem to have out-saved their need for a good credit score. They may be living comfortably in a paid-for house on a fixed income. They definitely don’t plan to finance any big purchases with credit. And perhaps they’ve heard stories about older people who were using credit to finance everyday purchases and they… Read More

7 Costly Credit Score Myths

7 Costly Credit Score Myths

7 Costly Credit Score Myths

Your credit score can make a huge difference in your finances, from helping you qualify for loans and low interest rates to accessing utility services and renting the home you want. As much as people want to have good credit scores, there’s a lot of confusion about how they work. The more you know about credit… Read More

Could LinkedIn Cost You a Job?

Could LinkedIn Cost You a Job?

Could LinkedIn Cost You a Job?

Anything you say to LinkedIn can be used against you when you are job hunting. You might have known that already. But you probably didn’t know that LinkedIn has special products specifically aimed at helping hiring managers ask former co-workers about you. LinkedIn’s “Trusted Reference” report, available only to paying premium users, compiles a list… Read More

5 Everyday Things That Hurt Your Credit

5 Everyday Things That Hurt Your Credit

5 Everyday Things That Hurt Your Credit

Here’s one of the tricky things about credit scores: They’re about more than credit. Sure, it’s extremely important to make loan payments on time and use credit cards responsibly, but there are plenty of non-credit things that can do serious damage to your scores, potentially making it more difficult to get loans at an affordable… Read More

5 Ways Your Kid Can Hurt Your Credit

5 Ways Your Kid Can Hurt Your Credit

5 Ways Your Kid Can Hurt Your Credit

There’s plenty of information out there on what it costs to raise kids, so we know they can lighten your wallet. But they can also flatten your credit. But while paying for kids’ care is part of a parent’s job, letting your credit suffer because of their actions isn’t. Teaching kids about credit is arguably… Read More

A Coding Error Labeled Up to 500K Customers’ Utility Payments As Late

A Coding Error Labeled Up to 500K Customers’ Utility Payments As Late

A Coding Error Labeled Up to 500K Customers’ Utility Payments As Late

Duke Energy may have affected about 500,000 customers’ credit histories when it mislabeled some on-time bill payments as late, the company announced Oct. 7. The North Carolina-based utility provider sent letters about the error to customers in Ohio, Kentucky and Indiana, saying it possibly sent incorrect late-payment information to the National Consumer Telecom & Utilities Exchange…. Read More

Wells Fargo Is Now Offering a Free Credit Score

Wells Fargo Is Now Offering a Free Credit Score

Wells Fargo Is Now Offering a Free Credit Score

Wells Fargo customers will have free access to one of their credit scores and credit reports until Nov. 16, in conjunction with the American Bankers Association’s annual campaign “Get Smart About Credit.” It’s the third year of this promotion, according to a news release from Wells Fargo, and it requires customers to visit a local… Read More

How to Avoid the Credit Mistakes 20-Somethings Make

How to Avoid the Credit Mistakes 20-Somethings Make

How to Avoid the Credit Mistakes 20-Somethings Make

The world of credit and finances can be daunting when you’re in your 20s and just setting out on your own. Many of us tend to avoid those areas of our lives that are a bit scary, but keep in mind that your credit and finances are two of the most dangerous areas to ignore…. Read More

Why Does Negative Info Stay on Credit Reports for 7 Years?

Why Does Negative Info Stay on Credit Reports for 7 Years?

Why Does Negative Info Stay on Credit Reports for 7 Years?

Under the Fair Credit Reporting Act, most negative information can be reported on credit reports for seven years. Why seven? Why not five, or 10 or some other amount of time? I began to ponder that question after Congresswoman Maxine Waters proposed that negative information be deleted from credit reports after four years. She pointed out… Read More

Can Rearranging My Debt Boost My Credit Score?

Can Rearranging My Debt Boost My Credit Score?

Can Rearranging My Debt Boost My Credit Score?

A reader, Eric, wanted to know if it would be smart to move some of his debt from credit cards with high balances to other cards that offer 0% financing for balance transfers. His goal is to qualify for low interest rates when he buys a car, and he wants to maximize his score. Here’s… Read More

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