The Laziest Ways to Improve Your Credit

Credit Score

The Laziest Ways to Improve Your Credit

The Laziest Ways to Improve Your Credit

There are people out there who expend a lot of energy in the quest for a totally meaningless perfect credit score, which I’ve written about elsewhere. Most people know it’s important to have good credit, but they don’t want to spend too much time worrying about it. The good news is that you can be… Read More

Are Credit Scores Fair?

Credit Score

Are Credit Scores Fair?

Are Credit Scores Fair?

Our society values hard work. At least, that’s often what we’re led to believe: From a young age, we’re told to study hard so we can get good grades, get a decent education and reap the benefits it comes with. We’re motivated by the belief that we’ll be rewarded for our efforts. Credit is the… Read More

What Your Credit Reports Won’t Tell You

Credit 101

What Your Credit Reports Won’t Tell You

What Your Credit Reports Won’t Tell You

A credit report is a pretty simple concept: It’s a report on your past use of credit and loans. That part is generally pretty easy for people to grasp. It’s some of the other stuff on the report — and the stuff that’s not on the report — that confuses some and leads to misunderstanding… Read More

Are You Too Young to Build Credit?

Credit Score

Are You Too Young to Build Credit?

Are You Too Young to Build Credit?

Should high school seniors get a credit card to build credit? For these young adults and their parents, the question isn’t academic. They face this question as soon as they turn 18. The benefits of building good credit are numerous; lower interest rates when you borrow and lower insurance premiums are just two of them…. Read More

The 5 Dumbest Credit Moves

Identity Theft

The 5 Dumbest Credit Moves

The 5 Dumbest Credit Moves

Several years ago, I watched in amazement when the CEO of a major identity theft protection firm, appeared in a series of commercials waving his Social Security card in the air, parading his Social Security number on a billboard through heavily populated urban areas and screaming his SSN through a bullhorn as a challenge to… Read More

Even God Has Credit Problems

Credit Score

Even God Has Credit Problems

Even God Has Credit Problems

God lives in Brooklyn. No, really. God Gazarov, New York resident, has been in the news lately because of a lawsuit over his credit history. Gazarov says credit reporting agency Equifax doesn’t accept his first name as legitimate, and, as a result, it falsely reports that he has no credit history. He said that snag… Read More

What’s in My Credit Report?

Credit 101

What’s in My Credit Report?

What’s in My Credit Report?

Credit reports are among the many documents in our lives that are a dreadful combination of boring and important. They can also be very long, which adds to the fun of reviewing one. But they’re not all that bad once you know what you’re looking at, and it’s pretty self-explanatory: It’s a report on your… Read More

6 Credit Card Tips for the Unemployed

Credit Cards

6 Credit Card Tips for the Unemployed

6 Credit Card Tips for the Unemployed

So you recently lost your job? Becoming unemployed is scary, to say the least. You’re not sure when you’ll find employment, and you may not receive unemployment insurance payments for weeks — or even months — after you first apply. It’s easy to mishandle your credit cards during this stormy season. You may be tempted to keep… Read More

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