Student Loan Rate Deal: Spared, Then Stung

Students

Student Loan Rate Deal: Spared, Then Stung

Student Loan Rate Deal: Spared, Then Stung

As it turns out, Congress was able to get enough of its act together to resolve the subsidized student loan rate impasse—at least until next summer—but with a catch. It used to be that eligible undergrads enjoyed a six-month interest-free grace period in between the time they tossed their tassels and the due date for… Read More

Credit Scores: Know When to Hold ‘Em.

Credit Score

Credit Scores: Know When to Hold ‘Em.

Credit Scores: Know When to Hold ‘Em.

Everyone wants a higher credit score. And why not? A higher score means lower interest rates, which means more money for you and less for your lender. But a Credit.com reader using the screen name “Linda” has especially high hopes. Linda declared bankruptcy in September 2005. Since then she hasn’t been late with a single… Read More

Are There Errors in Your Credit Report?

Credit Score

Are There Errors in Your Credit Report?

Are There Errors in Your Credit Report?

These days, most consumers know the importance of the role their credit ratings and credit reports play in their everyday lives, but at the same time, many may not be aware that their credit report may contain inaccurate information that has a severe negative impact on their credit score. It is generally agreed that a… Read More

The Smart Way To Pay Down Your Debts

Managing Debt

The Smart Way To Pay Down Your Debts

The Smart Way To Pay Down Your Debts

Millions of consumers are still working hard to get out from under the financial burdens they faced, often through no fault of their own, throughout the recession and the years following. But there should be a bit of strategy applied when attempting to get out of significant credit card debt. Many consumers still have significant… Read More

Credit Card Technology Moving Forward to Reduce Fraud

Credit Cards

Credit Card Technology Moving Forward to Reduce Fraud

Credit Card Technology Moving Forward to Reduce Fraud

Credit card fraud in the U.S. is a major problem for issuers, payment processors and merchants alike, and a technology that is more or less ubiquitous in other counties could help to significantly reduce those issues in the future. “Chip and PIN,” technology is the standard in many major foreign countries across Europe and Asia,… Read More

After Domestic Violence: How to Rebuild Your Finances

Personal Finance

After Domestic Violence: How to Rebuild Your Finances

After Domestic Violence: How to Rebuild Your Finances

The statistics pointing to the role of economics in domestic violence cases are simply staggering. A recent Mary Kay Foundation survey found that 74% of female domestic violence victims have stayed with an abuser for economic reasons, 45% have lost their jobs, 36% have lost a home or car, and 62% of survivors said they… Read More

Consumers Taking on More Debt, More Cautiously

Managing Debt

Consumers Taking on More Debt, More Cautiously

Consumers Taking on More Debt, More Cautiously

The slowly improving economy has had a few starts and stops in recent months, but that hasn’t dissuaded consumers from once again taking on more debt. However, according to new data, they are being more careful in doing so. The latest data suggests that the total amount owed across all loan types by consumers climbed… Read More

Could Short Sales Spike This Summer?

Mortgages

Could Short Sales Spike This Summer?

Could Short Sales Spike This Summer?

Due to a confluence of several factors, experts predict there will likely be a significant uptick in the number of short sales for distressed properties throughout the rest of the year, with a spike coming over the next few months. The market for short sales — that is, underwater homeowners selling their houses despite owing… Read More

Your Secret Credit Weapon: The Chargeback

Credit Cards

Your Secret Credit Weapon: The Chargeback

Your Secret Credit Weapon: The Chargeback

Credit cards provide great protection against fraudulent charges, and some can even bag you great cash-back rewards. But perhaps the best thing about paying for your purchases with a credit card is that in the event of a dispute with a merchant, it provides the ultimate ace up your sleeve: the chargeback. If you didn’t… Read More

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