How Your Job Search Could Threaten Your Identity

Identity Theft

How Your Job Search Could Threaten Your Identity

How Your Job Search Could Threaten Your Identity

You finally landed a great job. Whether you were a new graduate, or among the long-term unemployed or under-employed, you put yourself out there and made it happen. But let’s say that you flipped a few stones on the job market that were best left unturned, and you got scammed somewhere along the way. It’s… Read More

It’s Getting Easier to Get a Credit Card With Bad Credit

Credit Cards

It’s Getting Easier to Get a Credit Card With Bad Credit

It’s Getting Easier to Get a Credit Card With Bad Credit

Consumers with below-average credit scores have had an easier time getting credit cards in the last few years, compared to the immediate aftermath of the financial crisis when credit availability was very limited. Still, credit availability remains below pre-recession and recession levels, according to a report from the American Bankers Association: There were 330 million outstanding credit… Read More

How Does Chip & PIN Actually Work?

Credit Cards

How Does Chip & PIN Actually Work?

How Does Chip & PIN Actually Work?

Perhaps you’ve recently noticed a gold or silver colored metallic square on the front of your newest credit cards. It looks kind of cool and futuristic, but how does it work? Of course, what you are looking at is a microchip that is often referred to as an EMV smart chip. EMV stands for Europay, MasterCard… Read More

How to Find the Right Credit Card for You

Credit Cards

How to Find the Right Credit Card for You

How to Find the Right Credit Card for You

Great reward options or low interest rates? Yes, those could be great credit card options. But there are a few other things to consider before you start charging. Deciding on the right credit card for you includes assessing several criteria including your personal spending style, credit limits, fees and penalties in addition to interest rates and incentives…. Read More

The High-Tech Ways Debt Collectors Get You to Pay Up

Managing Debt

The High-Tech Ways Debt Collectors Get You to Pay Up

The High-Tech Ways Debt Collectors Get You to Pay Up

It sounds like science fiction. A lender sitting in an office who wants a payment clicks a button on a screen, and suddenly, the borrower’s car is disabled on the side of the road. “Pay now or you’ll never drive again,” is the clear message. It’s not a movie script. Car “ignition interrupt devices” are… Read More

Are Credit Scores Just a Scam?

Credit Score

Are Credit Scores Just a Scam?

Are Credit Scores Just a Scam?

It sounds like something straight out of the conspiracy theorist’s playbook: a secret system that enslaves average citizens who don’t even know what’s really happening. There are some consumers who believe that’s exactly what credit scores are designed to do: keep consumers enslaved in debt. It’s easy to understand why some people feel this way. Our… Read More

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