Young and Underwater: First-Time Homeowners Struggle for Air

Mortgages

Young and Underwater: First-Time Homeowners Struggle for Air

Young and Underwater: First-Time Homeowners Struggle for Air

When Credit.com reader Shiva bought her home in 2005, it was worth $190,000. Since then, her neighborhood was hit not only by the national mortgage crisis, but also runaway unemployment as many local businesses laid off workers. Shiva’s husband was among those laid off. Now she fears her house may be worth less than half… Read More

CFPB May Take Up Student Debt Fight

Students

CFPB May Take Up Student Debt Fight

CFPB May Take Up Student Debt Fight

In an effort to help more Americans get a better handle on their debts, the nation may soon see the federal agency tasked with protecting consumers’ finances get more involved in the private student lending market. The Consumer Financial Protection Bureau may soon take a larger role in the ways in which Americans deal with… Read More

Five Reasons to Close Your Credit Card Account

Credit Cards

Five Reasons to Close Your Credit Card Account

Five Reasons to Close Your Credit Card Account

It used to be when I spoke at financial seminars, most of the audience would raise their hand when I asked if they agreed that closing credit card accounts they don’t use anymore would help boost their credit. Now, though, most people know better than that. Instead, I find they are terrified of closing an… Read More

Meet the Credit Expert Behind Our New Forums

Personal Finance

Meet the Credit Expert Behind Our New Forums

Meet the Credit Expert Behind Our New Forums

One of the newest additions to the Credit.com staff has been working hard to bring our readers a brand new way to interact and engage with our experts, the Credit.com Forum. We had Barry Paperno, the man behing the forums, sit down and answer some important questions for our readers to help you understand who… Read More

Five Simple Things You Should Be Doing to Protect Your Identity

Identity Theft

Five Simple Things You Should Be Doing to Protect Your Identity

Five Simple Things You Should Be Doing to Protect Your Identity

For 12 years in a row, identity theft has been the top consumer complaint to the Federal Trade Commission — in 2011, there were 279,156 identity theft complaints filed. There is no air-tight method of preventing the crime totally, however there are steps you can take to make sure you’re not making yourself an easy… Read More

Are Retail Credit Cards Worth It?

Credit Cards

Are Retail Credit Cards Worth It?

Are Retail Credit Cards Worth It?

Almost every major retailer is trying to entice shoppers to sign up for a store-brand credit card, promising discounts and perks to sweeten the deal. The positive upshot of opening this account is made clear by the store employee: You can receive a discount on their purchase that day of as much as 30 percent,… Read More

The Anatomy of a Data Breach Investigation

Identity Theft

The Anatomy of a Data Breach Investigation

The Anatomy of a Data Breach Investigation

My phone rings whenever a client is hacked, suffers a data breach, or is a victim of identity theft via digital means. My job as chief information security officer is to look at all the digital evidence. When possible, I reconstruct the cyber attack. It’s C.S.I. work. By reconstructing the attack, often I can tell… Read More

How Often Does Your Credit Report Change?

Credit 101

How Often Does Your Credit Report Change?

How Often Does Your Credit Report Change?

The emails usually come in the form of a slightly panicked plea, often from individuals who have just used Credit.com’s Free Credit Report Card for the first time. They’ve seen something that they either didn’t expect or think is wrong, or they think their credit scores should be higher. “How long will it take my… Read More

Romney’s Rage Against Regulation

Personal Finance

Romney’s Rage Against Regulation

Romney’s Rage Against Regulation

The people who brought you the Great Economic Meltdown of 2008 have a new idea for you — although if they get their way, you’ll never hear about it. In fact, one of the most striking things about the new push to undo the consumer-friendly financial reforms that followed the crash is the open contempt… Read More

Good News for Home Sellers: Prices on the Rise

Mortgages

Good News for Home Sellers: Prices on the Rise

Good News for Home Sellers: Prices on the Rise

The average cost of a home has been improving for some time now, but June saw prices rise in the 20 largest cities across the country for the first time in two years. Property values in 20 U.S. cities crept upward in June on an annual basis, marking the first such increase since the summer… Read More

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