Should the Govt Be Allowed to Charge You a Credit Card Fee?

Credit Cards

Should the Govt Be Allowed to Charge You a Credit Card Fee?

Should the Govt Be Allowed to Charge You a Credit Card Fee?

The big news in the credit card industry this year has been the settlement between credit card payment networks and retailers that has opened the door to merchants charging credit card surcharges. Although this agreement is largely meaningless in the ten states that currently prohibit these credit card surcharges, there are exceptions to these agreements... Read More

Beyond FICO: 6 Credit Scores You Should Know About

Credit Score

Beyond FICO: 6 Credit Scores You Should Know About

Beyond FICO: 6 Credit Scores You Should Know About

When you get your credit score, you may be surprised to learn that the score you receive is not a FICO score. That doesn’t mean that the score you received is “wrong,” or somehow inferior, though. There are a variety of credit scores that lenders can use to make credit decisions, and the ones they... Read More

How Not To Get Rejected For a Credit Card

Credit Cards

How Not To Get Rejected For a Credit Card

How Not To Get Rejected For a Credit Card

I distinctly remember getting turned down the first time I applied for a major credit card soon after I graduated from college. To add insult to injury, my sister — who was a year younger than me and still in school — already had a couple of cards in her wallet. Being rejected for anything — a date,... Read More

Junk Mail Poses Identity Theft Risks

Identity Theft

Junk Mail Poses Identity Theft Risks

Junk Mail Poses Identity Theft Risks

Junk mail: It seems like it never stops. From various credit card application forms to coupons to a local pizzeria, these pieces of mail that are often tossed straight into the trash are not only an annoyance but a threat to your personal information. Pre-approved credit card offers are especially dangerous, as they are an... Read More

You’re Buying Expensive Things the Wrong Way

Personal Finance

You’re Buying Expensive Things the Wrong Way

You’re Buying Expensive Things the Wrong Way

This post originally appeared on Money Talks News.  Budgeting is a great tool to help you reach financial independence. But what if your budget is actually hurting you? It can happen when you budget for a purchase. In fact, consumers who start shopping with a price in mind spend up to 50 percent more than those who don’t, according... Read More

What to Do if a Bank Wrongly Forecloses on You

Mortgages

What to Do if a Bank Wrongly Forecloses on You

What to Do if a Bank Wrongly Forecloses on You

Earlier this year, Katie Barnett of Athens County, Ohio, hadn’t mowed her lawn in two weeks. This led First National Bank of Wellston, Ohio, to believe they were at the right place. They began to repossess her house, hauling items out to sell or throw away, and even changed the locks. But there were two... Read More

Is 2013 the Year of the Renter?

Mortgages

Is 2013 the Year of the Renter?

Is 2013 the Year of the Renter?

CoreLogic recently released its Rental Applicant Risk report for the first quarter of 2013, and it looks promising for consumers on the hunt for a place to rent this year. The report provides market-based research intended to shed some light on the housing market specifically for renters. Their Renter Applicant Risk index evaluates applicants’ credit... Read More

Can I Stop a Medical Bill from Going to Collections?

Managing Debt

Can I Stop a Medical Bill from Going to Collections?

Can I Stop a Medical Bill from Going to Collections?

Unexpected medical bills can often lead to crippling debt. And if you’re not able to pay the debt, it can lead to even more complications if the debt is sent to collections, as is the case for a Credit.com reader who recently sent in this question: I am in need of some advice. A little... Read More

7 Free Online Personal Finance Courses

Personal Finance

7 Free Online Personal Finance Courses

7 Free Online Personal Finance Courses

Managing your money is tough, and skyrocketing tuition costs make going back to school simply impractical. Luckily, you don’t have to go back for a degree in personal finance, because plenty of great organizations, non-profits and universities offer free online personal finance courses to help you learn all there is to know about what to... Read More

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