3 Times It’s Crucial to Monitor Your Credit

Credit Score

3 Times It’s Crucial to Monitor Your Credit

3 Times It’s Crucial to Monitor Your Credit

You’ve heard the standard advice: check your credit reports for free once a year at AnnualCreditReport.com. You may have even heard the suggestion that you stagger your requests at that site so you’ll get a report from one of the three major credit reporting agencies every four months, thereby allowing you to check your credit… Read More

What to Do If Santa Gives Your Kid a Cell Phone

Identity Theft

What to Do If Santa Gives Your Kid a Cell Phone

What to Do If Santa Gives Your Kid a Cell Phone

Long gone are the days when all your daughter wanted for Christmas was her two front teeth. Now she wants a cell phone. All her friends have one. And despite headlines about cyberbullying, sexting, and texting while driving, you embrace the idea that cell phones are a way of life. “After all,” you tell yourself,… Read More

Fannie, Freddie Halt Foreclosures for the Holidays

Mortgages

Fannie, Freddie Halt Foreclosures for the Holidays

Fannie, Freddie Halt Foreclosures for the Holidays

The holiday season is stressful enough for millions of consumers across the country who are struggling with their finances, so two of the nation’s government-sponsored mortgage backers have made the decision not to take any negative actions that might dampen their moods further. Both Fannie Mae and Freddie Mac will forgo evictions of consumers who… Read More

A Credit Insider’s Tips for Smart Holiday Spending

Personal Finance

A Credit Insider’s Tips for Smart Holiday Spending

A Credit Insider’s Tips for Smart Holiday Spending

The holiday shopping season is now in full swing. Malls and other retail outlets have their decorations up and holiday music playing, enticing us all to shop for our friends and family. And as inevitable as hearing “Frosty the Snowman” is the chorus of checkout clerks asking shoppers if they’d like to open store credit… Read More

The 10 Worst Government Data Breaches of 2012

Identity Theft

The 10 Worst Government Data Breaches of 2012

The 10 Worst Government Data Breaches of 2012

The 2012 political races were dominated by a debate about the “makers” vs. the “takers” among the American electorate. But it was government agencies themselves that were taken—by hackers, security flaws and employee ineptitude. Government agencies, from small county election boards to NASA, suffered data breaches. In fact, our federal and state governments have lost… Read More

5 Credit Resolutions to Make Before New Year’s

Managing Debt

5 Credit Resolutions to Make Before New Year’s

5 Credit Resolutions to Make Before New Year’s

The holidays are a fantastic time to indulge, but when it comes to managing credit, having a little self-restraint can really pay off. With 2013 lingering just around the corner, and more than a few consumers feeling what we’ve fondly dubbed Black Friday hangover, sitting down with a notebook and pen to jot down some… Read More

NJ Sandy Victims May Get Prepaid Cards

Personal Finance

NJ Sandy Victims May Get Prepaid Cards

NJ Sandy Victims May Get Prepaid Cards

Many consumers along the eastern seaboard are still trying to put the pieces back together after they were hit hard by Hurricane Sandy a few weeks ago, and New Jersey’s top government official recently signed an executive order that might help to expedite that process. New Jersey Gov. Chris Christie’s order allows insurance companies regulated… Read More

CFPB Ombudsman: Complaint Process Needs Improvement

Personal Finance

CFPB Ombudsman: Complaint Process Needs Improvement

CFPB Ombudsman: Complaint Process Needs Improvement

The federal watchdog agency intended to help consumers find more protections from potentially harmful financial practices has largely been helpful in better informing borrowers of their various obligations, but an official whose job it is to provide oversight for the organization itself says more can be done. If the Consumer Financial Protection Bureau had one… Read More

How to Get Rewarded for Your Holiday Spending

Credit Cards

How to Get Rewarded for Your Holiday Spending

How to Get Rewarded for Your Holiday Spending

Just a couple more weeks of holiday shopping remain. As you make those last minute purchases, keep in mind it’s not just how much you spend, but how you pay for your purchases, that matters. With reward credit cards, you may be able to treat yourself after the holidays by earning cash back, points or… Read More

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