Will Every Credit Card Show Up On My Credit Report?

Credit 101

Will Every Credit Card Show Up On My Credit Report?

Will Every Credit Card Show Up On My Credit Report?

Elementary school students who run afoul of their school’s rules have traditionally been threatened with a mark on their “permanent record.”  Likewise, many credit card users are concerned that every credit card they ever held will forever appear on their credit report.  Just as your job application won’t be turned down because of a prank... Read More

The Most Common Budget Breaker

Personal Finance

The Most Common Budget Breaker

The Most Common Budget Breaker

When you think about budget breakers, do you think of things like vacations and big-screen TVs?  While those surely can be expensive purchases, from my experience of working with folks on their finances, I’ve found it’s the relatively smaller category of convenience food that does the most damage to our finances on a regular basis.... Read More

The Biggest Data Breach of 2014 Threatens Kids

Identity Theft

The Biggest Data Breach of 2014 Threatens Kids

The Biggest Data Breach of 2014 Threatens Kids

While 2013 rounded out the year with some pretty astounding data breaches (i.e. Target and Neiman Marcus), 2014 is already chock full of more compromised information. And the biggest breach of the year so far is due to a government error. The personal information of more than 48,000 North Carolina children was compromised when their... Read More

Can I Pay a Creditor Less Than I Owe?

Managing Debt

Can I Pay a Creditor Less Than I Owe?

Can I Pay a Creditor Less Than I Owe?

Several readers have recently asked, in different ways, whether a creditor must accept partial payments if that’s what only what those in debt can afford. One was paying off a large hospital bill, $50 at a time, and was told her monthly payments needed to be substantially larger. Another had been told to pay a... Read More

Is Your Business Killing Your Credit?

Credit Score

Is Your Business Killing Your Credit?

Is Your Business Killing Your Credit?

Although he says he has a six-figure income, his balances on his credit cards are somewhere between $30,000 and $50,000, and he feels he has too much credit card debt. The reason he says he’s in the hole? “Business expenses.” “He” is one of several respondents who participated in a recent Credit.com survey, Americans and... Read More

Help! I Just Got My Holiday Credit Card Bill

Managing Debt

Help! I Just Got My Holiday Credit Card Bill

Help! I Just Got My Holiday Credit Card Bill

Billing cycles, like the weeks leading up to Tax Day and a student loan grace period, come to an end, and then it’s time to pay up. Holiday shoppers are experiencing this depressing reality firsthand as they receive the bills tallying up December’s spending. Even the most budget-conscious consumers can go overboard when it comes... Read More

How to React to Target’s Credit Monitoring Email

Identity Theft

How to React to Target’s Credit Monitoring Email

How to React to Target’s Credit Monitoring Email

If you’re among the millions of Americans who received Target’s free credit monitoring offer email recently, you might be wondering how to react. After all, getting the news that your personal information has been stolen by a hacker is alarming enough; now Target is asking that you give even more detailed information to a couple... Read More

Self-Employed? The Mortgage Rule You Need to Know

Mortgages

Self-Employed? The Mortgage Rule You Need to Know

Self-Employed? The Mortgage Rule You Need to Know

When applying for a mortgage, lenders will classify you as a wage earner employee or self-employed. Furthermore, if you also own a business, or a percentage of a business, you might be considered self-employed even though you are a W-2 wage earner. If this is you, here’s what you’ll need to know to complete a mortgage... Read More

Cyberattack Planned to Test Healthcare Security

Identity Theft

Cyberattack Planned to Test Healthcare Security

Cyberattack Planned to Test Healthcare Security

The healthcare industry is gearing up for a cyberattack campaign that promises to test companies’ ability to guard against data breach threats. The campaign will be launched by an unlikely source: the U.S. Department of Health and Human Services (HHS). The healthcare industry is one of the most highly-targeted sectors, and the HHS is partnering with healthcare companies... Read More

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