The First Steps to Take Before You Start Paying Your Student Loans

Students

The First Steps to Take Before You Start Paying Your Student Loans

The First Steps to Take Before You Start Paying Your Student Loans

It’s a whole new world once you leave the cocoon of college and head off into the real world to make a living. You’re no doubt overwhelmed with getting a job and finding a place to live. That’s understandable. But if you paid for your college education with student loans, it’s also incredibly important to… Read More

How Many FICO Scores Are There?

Credit Score

How Many FICO Scores Are There?

How Many FICO Scores Are There?

There are hundreds of algorithms companies use to score consumers, and even the most common credit scoring company has dozens of models. Fair Isaac Corp., more commonly known as FICO, has about 50 scores (a 2012 report from the Consumer Financial Protection Bureau puts that number at 49). How can there be so many variations on… Read More

5 Common Money Fights Couples Can Avoid

Personal Finance

5 Common Money Fights Couples Can Avoid

5 Common Money Fights Couples Can Avoid

Relationships almost always come with their fair share of disputes, but fighting about money can be another animal entirely. Managing joint finances is rarely easy, but keeping the lines of communication open can go a long way. Take a look at the most common money fights couples have and consider which strategies can help you… Read More

4 Ways You Can Wreck Somebody Else’s Credit

Credit 101

4 Ways You Can Wreck Somebody Else’s Credit

4 Ways You Can Wreck Somebody Else’s Credit

Nothing can sour a relationship faster than abusing trust — and when it comes to credit, it can happen by accident. A friend does you a favor, and then what should have been your problem somehow becomes theirs. Damaging someone else’s credit is easier to do than you might think, and repairing trust can be… Read More

Is Your Credit Good Enough to Retire?

Credit Score

Is Your Credit Good Enough to Retire?

Is Your Credit Good Enough to Retire?

You’ve checked your savings, and your best strategy for claiming Social Security benefits, but is your credit where you want it for retirement? You might think in retirement — when many are without an employment income — that credit isn’t necessary anymore. Assuming everything goes exactly according to plan, you might be right. Even if… Read More

When’s the Right Time to Pull My Credit Reports?

Credit 101

When’s the Right Time to Pull My Credit Reports?

When’s the Right Time to Pull My Credit Reports?

A close friend recently asked me for advice about reviewing her credit reports and credit scores. A few years ago, when she got a mortgage, her scores were very good — in the 800s — but she has since had a run-in with a department store card that she fears may have had a negative impact on her credit. So… Read More

7 Credit Score Myths That Will Still Surprise You

Credit Score

7 Credit Score Myths That Will Still Surprise You

7 Credit Score Myths That Will Still Surprise You

Surprise! Consumers are still confused about what goes into a credit report and a credit score. Given how opaque these things were for such a long time, it’s entirely predictable that confusion reigns. It’ll be that way for a while. Credit bureau TransUnion recently released a survey with more proof that the mythology built up… Read More

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