Why You Need to Check Your Bills Closely – Every Time

Identity Theft

Why You Need to Check Your Bills Closely – Every Time

Why You Need to Check Your Bills Closely – Every Time

Many consumers may receive their credit card bills every month and simply write a check for whatever amount they can afford to pay, without even glancing at the summary of all their monthly purchases. But this is a bad idea, and a report from TIME Magazine highlights why: Consumers who take the time to carefully… Read More

Can You Access Credit Accounts After Your Spouse Dies?

Credit Score

Can You Access Credit Accounts After Your Spouse Dies?

Can You Access Credit Accounts After Your Spouse Dies?

Credit Card Question: I have a few credit cards in my own name but I’m also an authorized user on my husband’s credit cards. My husband is very ill. If something happened to him, will I still have access to his credit cards? –Nancy Answer: Hi Nancy, I’m sure it was difficult to ask this… Read More

Is a Debt-Free College Education Possible?

Students

Is a Debt-Free College Education Possible?

Is a Debt-Free College Education Possible?

Congresswoman Virginia Foxx’s recent comments about how she has “little tolerance for people who tell me that they graduate with $200,000 of debt or even $80,000 of debt because there’s no reason for that” added fuel to an already raging fire over the affordability of a higher education, and what—if anything—the government should be doing… Read More

Always Take Time to Read the Fine Print

Personal Finance

Always Take Time to Read the Fine Print

Always Take Time to Read the Fine Print

In recent months, Americans have received a number of protections from the federal agency tasked with helping to protect consumers from predatory and misleading lending practices, but some experts say that it’s also important for borrowers to do their part to protect themselves. The CARD Act has instituted a number of strong policies that called… Read More

The Hidden Benefits of Credit Scores

Credit 101

The Hidden Benefits of Credit Scores

The Hidden Benefits of Credit Scores

In my recent Credit.com column, Credit Score Obsessed? Don’t Be, I likely surprised many readers by recommending that consumers pay less attention to their credit score and focus their credit management energies on their credit report. This column is likely to be more expected because I want to offer what I believe is good and beneficial… Read More

Traveling Abroad? You’ll Need These Credit Tips

Credit Cards

Traveling Abroad? You’ll Need These Credit Tips

Traveling Abroad? You’ll Need These Credit Tips

Numerous things are taken into consideration by consumers when they are about to head to another country for a trip. But there are also things travelers should keep in mind in regards to their credit cards. A number of credit cards issued by banks and credit unions carry fees when they are used abroad. A… Read More

Can You Be Rejected For A Debit Card?

Credit Cards

Can You Be Rejected For A Debit Card?

Can You Be Rejected For A Debit Card?

When a clerk at Target told Annette Tierney her she could save 5% on her purchases by opening a Target REDcard debit card, it was a no-brainer. “Every time we go in there we get a cart full of stuff,” she explains. “We usually spend $250 to $500.” It also seemed simple enough—the store’s debit… Read More

Federal Watchdog to Monitor Credit Reporting Agencies

Credit Score

Federal Watchdog to Monitor Credit Reporting Agencies

Federal Watchdog to Monitor Credit Reporting Agencies

A consumer’s credit score is perhaps the most important piece of financial information about them because it boils down almost their entire borrowing history to a single three-digit number, and now, a federal consumer watchdog is setting its sights on the reports on which those scores are based. (If you don’t understand how a credit score… Read More

Student Loan Debt Makes Growing Up Tough

Students

Student Loan Debt Makes Growing Up Tough

Student Loan Debt Makes Growing Up Tough

Growing up today is tough if you can’t find a job and are saddled with student loan debt. In a recent study from the Pew Research Center, nearly 22% of young adults age 25-34 are living with their parents. That is up from 11% in 1980. Similarly, young people are pushing back other life goals… Read More

Using Credit Cards for Bad Credit Responsibly

Credit Cards

Using Credit Cards for Bad Credit Responsibly

Using Credit Cards for Bad Credit Responsibly

Many Americans saw their credit ratings fall precipitously during the recent recession and are now looking to rebuild their standing by obtaining credit cards designed specifically for consumers who have had a troubled borrowing history. These bad credit credit cards are a good idea for those who need access to a line of credit but… Read More

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