How Your Credit Score is Calculated

Credit Score

How Your Credit Score is Calculated

How Your Credit Score is Calculated

As you’re probably well aware, your credit score makes up a huge part of your ability to qualify for things like credit cards and other loans, but most people probably don’t know exactly how it’s calculated. Your credit score is based on your borrowing history, but do you know what aspects are valued more than… Read More

Cash Still King for Everyday Purchases

Personal Finance

Cash Still King for Everyday Purchases

Cash Still King for Everyday Purchases

During the recent national recession, millions of consumers across the country drastically changed their purchasing habits to avoid credit card use. But even as credit card use has regained popularity in recent months, it turns out many still prefer to use cash. A recent study by Javelin Strategy and Research found that the vast majority… Read More

5 Reasons Why Capital One is the Most Searched-For Credit Card

Credit Cards

5 Reasons Why Capital One is the Most Searched-For Credit Card

5 Reasons Why Capital One is the Most Searched-For Credit Card

In the past month, consumers who were searching for a new credit card on Yahoo! typed this phrase most often: “Capital One credit card.” Based on our review of Yahoo! Search data, they weren’t looking for a specific card from Capital One, they just wanted to see what cards from that bank were available. This tells… Read More

Will Obama’s Mortgage Plan Work?

Mortgages

Will Obama’s Mortgage Plan Work?

Will Obama’s Mortgage Plan Work?

If you’re a homeowner who is struggling to keep up with a mortgage you can’t afford, or wondering whether to continue to stay and pay on a home that is deeply underwater, you may have seen another glimmer of hope in yesterday’s news about more proposals to address the housing crisis. Early Wednesday, preliminary details… Read More

Finding Savings in a Lean Budget

Personal Finance

Finding Savings in a Lean Budget

Finding Savings in a Lean Budget

This month seems expensive and I am looking for ways to save. I used $500 from my emergency savings to pay the deductible for my daughter’s December auto accident and that money was to be refunded by now. My insurance company is not returning emails or phone calls. This is a major, highly rated company…. Read More

Interchange Fee Limit Could Come at Federal Level

Personal Finance

Interchange Fee Limit Could Come at Federal Level

Interchange Fee Limit Could Come at Federal Level

Because of a private antitrust suit filed by several million businesses large and small against some of the nation’s biggest financial institutions, it’s believed that there could be a dramatic shift in the way companies pay to accept credit card transactions. The suit, which is slated to go to trial later this year, was filed… Read More

The Real SOPA Opera Should Be ID Theft

Personal Finance

The Real SOPA Opera Should Be ID Theft

The Real SOPA Opera Should Be ID Theft

The Stop Online Piracy Act, and its sister legislation in the Senate, the Protect Intellectual Property Act caused quite a stir in Silicon Valley, Hollywood and Washington. The two bills were intended to put a hard stop on theft of intellectual property on the Internet, by means that are controversial in terms of the First… Read More

7 Reasons to Hate & Love Your Credit Card

Credit Cards

7 Reasons to Hate & Love Your Credit Card

7 Reasons to Hate & Love Your Credit Card

Credit Cards. At times, it seems like we can’t live with them and we can’t live without them. It is a classic case of a love-hate relationship. We need the credit cards to help build our all-important credit history and subsidize our expenses when we just don’t have the cash. But people deeply resent the… Read More

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