How to Kick Your Spouse Off Your Credit Cards

Credit Cards

How to Kick Your Spouse Off Your Credit Cards

How to Kick Your Spouse Off Your Credit Cards

Is it time to separate the finances between you and your spouse? Some couples manage their finances separately while others manage their bills together. But in both cases, it’s likely that a person will add a spouse to his or her credit card as an authorized user or open a joint account. And while these... Read More

6 Ways to Build Credit Without Breaking a Sweat

Credit Score

6 Ways to Build Credit Without Breaking a Sweat

6 Ways to Build Credit Without Breaking a Sweat

Your credit score is one of the most important numbers in your entire life. We all know that banks and credit card companies use it for loans and lines of credit, but did you know many others, like cellphone companies and landlords, use it to make decisions, too? Establishing and building your credit is one... Read More

Can Students Get a Credit Card If They Don’t Have a Job?

Credit Cards

Can Students Get a Credit Card If They Don’t Have a Job?

Can Students Get a Credit Card If They Don’t Have a Job?

There was a time when credit card issuers were doing everything possible to give students credit cards. There were once kiosks on campus and at college stadiums that offered students prizes just for applying, and accounts were opened for students who didn’t even have the means to repay their charges. Many considered this practice to be predatory,... Read More

A Debt Collector Keeps Calling, But Says I Don’t Have to Pay!

Managing Debt

A Debt Collector Keeps Calling, But Says I Don’t Have to Pay!

A Debt Collector Keeps Calling, But Says I Don’t Have to Pay!

A reader, widowed in January, wrote to us to ask about collections calls she’s getting regarding her late husband’s store credit card. The couple had used — and paid as agreed — this line of credit for 45 years. She said that although she continues to make payments and the retailer continues to accept them, she... Read More

Help! Late Payments Are Hurting My Credit… But They Aren’t Mine

Credit Score

Help! Late Payments Are Hurting My Credit… But They Aren’t Mine

Help! Late Payments Are Hurting My Credit… But They Aren’t Mine

A reader, “DJM,” did what we here at Credit.com often suggest: checked his credit report. (Consumers can get their credit reports for free once a year.) He found the results to be discouraging: Listed on my credit report are delinquencies on credit cards that I am only an authorized user and not responsible for the... Read More

Is a Credit Card a Good Graduation Gift?

Credit Cards

Is a Credit Card a Good Graduation Gift?

Is a Credit Card a Good Graduation Gift?

As spring turns into summer, many students are anticipating graduating and moving on to the next stage of their lives. At this time, parents may be considering giving their children a credit card as a graduation gift, but is this a good idea? Of course, friends and family cannot actually open an account in a... Read More

7 Ways to Get Credit When You Don’t Have Any

Credit Score

7 Ways to Get Credit When You Don’t Have Any

7 Ways to Get Credit When You Don’t Have Any

Credit is one of those things you don’t want to be without. But, as we all know, the credit game is definitely a Catch-22. You need a good credit history to snag the best deals on loans, yet it’s very difficult to get credit without a borrowing history. 1. Become an Authorized User If a friend... Read More

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