What Do Debt-Free Americans Have in Common?

Managing Debt

What Do Debt-Free Americans Have in Common?

What Do Debt-Free Americans Have in Common?

People without debt are all in on a secret, right? Not really. Other than their minimal or nonexistent debt loads, these Americans don’t have a lot in common: Their ages, incomes, locations, genders and education levels are all over the place, according to Credit.com’s recent survey Americans and Credit Card Debt. Looking at respondents with... Read More

4 Ways to Keep Your Cellphone From Getting Hacked

Identity Theft

4 Ways to Keep Your Cellphone From Getting Hacked

4 Ways to Keep Your Cellphone From Getting Hacked

By now, most of us know that when surfing the Web we shouldn’t click on ads promising us new ways to lose weight without dieting, read emails about magic pills to boost our “egos” or even click on Twitter links about the “shocking” pictures some friend supposedly found of us online.  That is, we know... Read More

15 Real Estate Buzzwords Explained

Mortgages

15 Real Estate Buzzwords Explained

15 Real Estate Buzzwords Explained

So you are entering the real estate world? Whether you are trying to buy or sell a home (or do both!), you need to familiarize yourself with the lingo. You don’t want industry jargon to confuse you and keep you from missing something crucial. Here are 15 real estate buzzwords to keep you in the... Read More

There’s a Better Way to Securitize Student Loans

Students

There’s a Better Way to Securitize Student Loans

There’s a Better Way to Securitize Student Loans

Loan securitizations were once a mainstay in the world of structured finance. But that was before the recent economic collapse and the financial market freeze that ensued. For a time the government intervened to support the secondary-market because of the important role it plays in the economy: by recycling existing loans to others, the originating... Read More

Buyer’s Remorse? You May Not Be Stuck With It

Personal Finance

Buyer’s Remorse? You May Not Be Stuck With It

Buyer’s Remorse? You May Not Be Stuck With It

We’ve all experienced it: buyer’s remorse. You bought something you really didn’t want, or perhaps you signed up for a long-term contract you can’t afford. Sometimes you’re stuck. But not always. Under federal and state laws there are certain purchases that require a “cooling-off period,” or give consumers the right to cancel within a certain... Read More

A Guide to Your High-Deductible Insurance Plan

Personal Finance

A Guide to Your High-Deductible Insurance Plan

A Guide to Your High-Deductible Insurance Plan

New year, new insurance plan! As of Jan. 1, many people suddenly are in possession of a high-deductible insurance plan. This may sound scary (High deductible! Reach for your wallet!), but it doesn’t have to be. We’re going to give you seven helpful hints on how to deal. First, the landscape: For many of us,... Read More

Selling a Home? 5 Things to Ask Your Real Estate Agent

Mortgages

Selling a Home? 5 Things to Ask Your Real Estate Agent

Selling a Home? 5 Things to Ask Your Real Estate Agent

Selling a home can be difficult — you probably want to sell in a certain time frame and for the maximum price. For most of us, it represents one of the biggest financial transactions of our lifetimes, and it can help to have expert guide us through the process. A knowledgeable and trustworthy real estate... Read More

Credit Card Debt Grows Among Those With Poor Credit

Credit Cards

Credit Card Debt Grows Among Those With Poor Credit

Credit Card Debt Grows Among Those With Poor Credit

Consumers with low credit scores account for an increasingly large chunk of the nation’s credit card debt, with subprime borrowers carrying more than three times the average credit card debt held by consumers with excellent credit scores. In the third quarter of 2013, the typical consumer had a credit card debt load of $4,061, according... Read More

5 Vital Pieces of Financial Advice for Millennials

Personal Finance

5 Vital Pieces of Financial Advice for Millennials

5 Vital Pieces of Financial Advice for Millennials

It is no secret that the economy today is… well… not the best, and to top it off the millennial generation is faced with an unsteady job market. Beyond that, the average student graduates with nearly $30,000 in student loan debt. So you may ask, what is a millennial to do? What we can do... Read More

Show Me More

Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.