5 Steps to Buying a Home After Bankruptcy

Mortgages

5 Steps to Buying a Home After Bankruptcy

5 Steps to Buying a Home After Bankruptcy

In the past decade, the American Dream of owning a home has become more like the American Nightmare. With more than 7 million homes foreclosed over the past eight years and unemployment hitting record levels, buying a house has been the last thing on people’s minds. To make matters worse, perhaps you have had to… Read More

A Doomsday Prepper’s Guide to Personal Finance

Identity Theft

A Doomsday Prepper’s Guide to Personal Finance

A Doomsday Prepper’s Guide to Personal Finance

For Richard Duarte, surviving the end-of-the-world-as-you-know-it isn’t just a possibility; he’s lived it. In 1992, he and his family fled their home in South Florida with only the clothes on their back, after Hurricane Andrew swept through and destroyed their house. Half an hour after the storm passed, and long before rescue or cleanup teams… Read More

How to Consolidate Private Student Loan Debt

Students

How to Consolidate Private Student Loan Debt

How to Consolidate Private Student Loan Debt

Judging from the comments we’ve been getting from Credit.com readers lately, borrowers with private student loan debt want to consolidate their loans, but don’t know how.  “I have private student loans, are you able to help me find a way to consolidate to get a lower interest rate?” asks Janice. “I see all these programs… Read More

6 Credit Cards for New Grads

Credit Cards

6 Credit Cards for New Grads

6 Credit Cards for New Grads

May is the time of year for new beginnings as students graduate from high school and college and start on their next phase of life. With this transition, many graduates will have new financial requirements as well, and may need their first credit card. Yet with hundreds of different cards offered by dozens of issuers, it… Read More

When Do You Need to Make a Will?

Personal Finance

When Do You Need to Make a Will?

When Do You Need to Make a Will?

If there is one thing we need to get done before we die, it’s making a will, but you probably won’t find it on anyone’s bucket list. A lot of us never get around to it. In fact, more than half of Americans between 55 and 64 (presumably at or close to retirement) are without wills, according to a survey by… Read More

The Student Loan Realities We Can’t Ignore Anymore

Students

The Student Loan Realities We Can’t Ignore Anymore

The Student Loan Realities We Can’t Ignore Anymore

An alternate view on student-loan payment performance data is challenging the prevailing narrative that tends to greatly downplay the problem. In his recent Wall Street Journal column, Josh Mitchell correctly observes that after accounting for the fact that only half of all student loans are actually in repayment (the other half are deferred because the… Read More

Will Paying Off Your Mortgage Hurt Your Credit?

Mortgages

Will Paying Off Your Mortgage Hurt Your Credit?

Will Paying Off Your Mortgage Hurt Your Credit?

Let’s face it, no one actually wants a mortgage. A mortgage is simply a means to an end if you don’t have the cash. So when you finally pay it off, ridding yourself of the financial obligation is the next best thing, but could it come at the expense of your credit score? Here’s what… Read More

What Do I Need to Apply for a Credit Card?

Credit Cards

What Do I Need to Apply for a Credit Card?

What Do I Need to Apply for a Credit Card?

Applying for a credit card is quite simple — it’s getting approved for one that can be difficult. You can never be certain an issuer will give you a credit card, but there are several things you can do before applying to improve your chances of approval. As far as the application goes, you could… Read More

Why Loving Your Job Could Mean Bigger Paychecks

Personal Finance

Why Loving Your Job Could Mean Bigger Paychecks

Why Loving Your Job Could Mean Bigger Paychecks

In my five-year study of the daily habits of the rich and poor, one statistic that I found very interesting related to job satisfaction. Eighty-six percent of the wealthy indicated that they liked their job, while 7% indicated that they loved their job. How about the poor? Ninety-seven percent of the poor indicated that they… Read More

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