Should Banks Be in the Marijuana Business?

Credit Cards

Should Banks Be in the Marijuana Business?

Should Banks Be in the Marijuana Business?

For many people like me, starting your own business is the embodiment of the American dream – you get to be your own boss, build something from the ground up and revel in its success. But for some budding entrepreneurs in several states their small businesses have become big financial nightmares – and not because... Read More

How to Make Your Tax Lien Disappear

Credit Score

How to Make Your Tax Lien Disappear

How to Make Your Tax Lien Disappear

A tax lien can be one of the worst items to appear on your credit report. It’s considered very negative and can cause your credit scores to drop significantly. Even worse, under federal law, unpaid tax liens can remain on credit reports indefinitely, though in practice credit bureaus may remove them after a decade or... Read More

How to Talk to a Credit Bureau

Credit Score

How to Talk to a Credit Bureau

How to Talk to a Credit Bureau

Have you received a copy of your credit report, only to find out it contains something you just don’t understand? There may be a simple answer to your question, but you have to ask. And many people don’t realize that one option is to simply pick up the phone and talk with someone at the... Read More

Do You Need 3 Credit Scores to Get a Mortgage?

Mortgages

Do You Need 3 Credit Scores to Get a Mortgage?

Do You Need 3 Credit Scores to Get a Mortgage?

In order to get a mortgage these days, home buyers are typically required to have three credit scores — one scoring model calculated three times based on each of your credit reports at the three major credit bureaus. However, one problem that I see periodically when working with homebuyers is that they do not have... Read More

Could Your Medical Debt Keep You From Getting a Job?

Managing Debt

Could Your Medical Debt Keep You From Getting a Job?

Could Your Medical Debt Keep You From Getting a Job?

You might think your credit report only gets looked at when you’re applying for some sort of loan. However, many are surprised that the Fair Credit Reporting Act (FCRA) allows employers to use credit reports when making hiring decisions. A survey of a random sample of Society for Human Resource Management members found that 47%... Read More

Do You Need Renters Insurance?

Personal Finance

Do You Need Renters Insurance?

Do You Need Renters Insurance?

Most homebuyers have insurance. When they make a big investment in real estate, they want to protect their investment from dangers such as fire or burglary. But if you are a renter, you still have items that need protection but not everyone opts for insurance. Think how long it took you to save up for... Read More

What Exactly Is Credit Card Debt?

Managing Debt

What Exactly Is Credit Card Debt?

What Exactly Is Credit Card Debt?

About 56% of American adults say they have credit card debt, according to a recent survey by Credit.com — but do they, really? What does it mean to be in credit card debt? It sounds straightforward, but people define credit card debt differently, as was indicated by responses to the Americans and Credit Card Debt... Read More

Is the Devil the First Identity Thief?

Identity Theft

Is the Devil the First Identity Thief?

Is the Devil the First Identity Thief?

Consider the qualities commonly associated with thieves: Sneaky. Deceptive. Selfish. Do those traits sound familiar? They sounded downright devilish to one blogger, who was one of the 70 million Target customers whose information was compromised in the data breach the company suffered during the holiday season. As long as technology has enabled hackers, consumers have... Read More

Could Your Credit Card Be Safer?

Credit Cards

Could Your Credit Card Be Safer?

Could Your Credit Card Be Safer?

The aftermath of the Target data breach has continued to fuel the conversation around credit card security in the United States. A lot of people think it’s sub-par. It boils down to technology: In the U.S., you’re accustomed to swiping a card with a magnetic stripe through a card reader, but if you’re traveling in... Read More

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