What’s the Lowest Credit Score You Can Get?

Credit Score

What’s the Lowest Credit Score You Can Get?

What’s the Lowest Credit Score You Can Get?

While some credit savvy consumers are trying to uncover the secrets to getting the highest credit score, there are thousands of others who don’t even want to check their credit, for fear they will discover they have the lowest credit score. If that describes you, relax. It may not be as bad as you think. “There... Read More

When’s the Best Time to Apply for a Credit Card?

Credit Cards

When’s the Best Time to Apply for a Credit Card?

When’s the Best Time to Apply for a Credit Card?

There is no doubt that Americans are bombarded by credit card offers throughout their day. These applications for new cards appear at retailers, on airplanes, in the mail, and of course, right here on the Internet. So with no shortage of opportunities, credit card users are left with the question: When is the ideal time... Read More

Credit Card Judgments: How Long Before They Expire?

Managing Debt

Credit Card Judgments: How Long Before They Expire?

Credit Card Judgments: How Long Before They Expire?

One of our readers wrote us recently, asking how long it takes for credit card judgments to come off a credit report: I have two credit card judgments on my credit report that were placed in 2011. They are listed as debt collection companies, not the credit card companies. The original debt (last non-payment date)... Read More

5 Things a Debt Collector Should Never Say

Managing Debt

5 Things a Debt Collector Should Never Say

5 Things a Debt Collector Should Never Say

Getting a call from a debt collector is something most consumers dread. It can be scary at times, but if a debt collector doesn’t play by the rules, chances are they’re banking on you not knowing your rights. Don’t let a debt collection agency bully you into anything — learn your legal rights under the... Read More

Why a Stolen European Credit Card Is Worth 5 American Cards

Credit Cards

Why a Stolen European Credit Card Is Worth 5 American Cards

Why a Stolen European Credit Card Is Worth 5 American Cards

Hackers would much rather have a European credit card than yours. The Washington Post explored why the going black market rate for American cards is about $10, and European cards about $50. There are two major reasons. The first is the difference between card technology here and in Europe. In Europe, cards carry a chip with a function... Read More

10 College Majors with the Best Starting Salaries

Students

10 College Majors with the Best Starting Salaries

10 College Majors with the Best Starting Salaries

This post originally appeared on Money Talks News. “What’s your major?” is a question much better posed to yourself than as an icebreaker with that cutie down the hall. After all, the degree you earn will greatly influence your chances of getting hired and your starting income and lifetime earning potential. Degrees that make the most... Read More

9 Crazy Data Breaches

Identity Theft

9 Crazy Data Breaches

9 Crazy Data Breaches

Five men were indicted last week in the largest credit card hacking scheme in U.S. history, resulting in more than $300 million in losses and a data breach of more than 160 million credit and debit cards since 2005. The four Russian nationals and one Ukrainian man targeted major American and international corporations, hacking into... Read More

I Declared Bankruptcy, And I’m Neither Proud Nor Ashamed

Managing Debt

I Declared Bankruptcy, And I’m Neither Proud Nor Ashamed

I Declared Bankruptcy, And I’m Neither Proud Nor Ashamed

This post originally appeared on TheBillfold.com. I got my first credit card when I was 18 and a freshman in college. It was a Purdue Employees Federal Credit Union card with a 17% APR and a $3,000 or $5,000 or $10,000 credit line. Whatever it was, it was more money than anyone in their right... Read More

This Week in Credit News: Consumers Rage!

Personal Finance

This Week in Credit News: Consumers Rage!

This Week in Credit News: Consumers Rage!

The biggest credit news this week is all about consumer complaints, as a new study on the top customer woes is released and credit and debt issues crack the top five. The 10 Biggest Consumer Complaints Forty agencies in 20 states across the U.S. pooled their records with the Consumer Federation of America and the... Read More

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