Why Your Credit Score Is So Bad

Credit Score

Why Your Credit Score Is So Bad

Why Your Credit Score Is So Bad

A Credit.com reader named Roger recently took me to task for my blog post, How to Decode Your Credit Score, that focused only on high credit scores and neglected some of the common reason codes that accompany lower credit scores: What about reason codes: Serious delinquency and or public record or collection filed. Time since... Read More

Changes to FAFSA Include Same-Sex Couples Now

Students

Changes to FAFSA Include Same-Sex Couples Now

Changes to FAFSA Include Same-Sex Couples Now

The Department of Education will change its student aid forms beginning in 2014-15 so that potential borrowers will be able to have their legal parents’ income assessed regardless of their marital status or gender as long as those two people live together. Applicants will be able to list their parents’ marital status as “unmarried and... Read More

New Rule Re-Opens Credit to Stay-At-Home Parents

Credit Cards

New Rule Re-Opens Credit to Stay-At-Home Parents

New Rule Re-Opens Credit to Stay-At-Home Parents

While the Credit Card Accountability, Responsibility and Disclosure Act was designed to help protect consumers from potential problems related to those accounts, one aspect of it actually created some for a large portion of the population. Now, a new rule has been put into place to remediate that issue. The CARD Act mandated that consumers had to... Read More

5 Financial Tips for Freshmen

Students

5 Financial Tips for Freshmen

5 Financial Tips for Freshmen

As graduation time nears for college-bound high school seniors, it’s also time for those college acceptance letters to start rolling in, and time to let the planning begin. While understandably caught up in the academic, housing and financial hoopla of planning for college, one all-important, but often overlooked part is planning for the safest, most... Read More

Hotel Rewards Credit Cards: How to Pick One

Credit Cards

Hotel Rewards Credit Cards: How to Pick One

Hotel Rewards Credit Cards: How to Pick One

Redeeming frequent flier miles has become so frustrating that many rewards card holders now look to hotel cards to earn the most valuable rewards. Lodging is a large travel expense, and hotel programs generally offer awards with fewer blackout dates and capacity controls than airline programs. However, many hotel programs have recently devalued their programs... Read More

Americans Have Cut $1.3 Trillion in Debt Since Recession

Managing Debt

Americans Have Cut $1.3 Trillion in Debt Since Recession

Americans Have Cut $1.3 Trillion in Debt Since Recession

Numerous studies and statistics have shown that consumers’ attitudes toward debt changed significantly since the Great Recession, and now new data shows just how substantial those shifts have been when it comes to cutting balances. Since the end of the financial crisis in 2009, households across the country have been able to reduce their outstanding... Read More

Getting Married? The Biggest Tax Choice You Need to Make

Personal Finance

Getting Married? The Biggest Tax Choice You Need to Make

Getting Married? The Biggest Tax Choice You Need to Make

Tax season is now over and wedding season is underway. So what if you’re recently married (or soon to be married) and you’re already thinking about taxes for next year? Do you know if you want to file together or separately? While filing jointly is commonly considered the best way to go, there are a... Read More

Mortgage Fraud Risk Highest in Years

Mortgages

Mortgage Fraud Risk Highest in Years

Mortgage Fraud Risk Highest in Years

The amount of mortgage fraud now being carried out across the country is on the rise, as criminals use a larger number of different methods to deceive industry professionals. The risk of fraudulent home loan filings increased some 16 percent during the final three months of last year when compared with the period from July... Read More

The Best Cash Rewards Credit Cards in America

Credit Cards

The Best Cash Rewards Credit Cards in America

The Best Cash Rewards Credit Cards in America

This month, in our Best Credit Cards In America series, we look at the best cash rewards cards. Cash-back rewards have many advantages over receiving points or miles. Unlike airline miles and hotel points, cash rewards are easy to redeem and can be used to pay any expense. In addition, all the points and miles... Read More

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