42% of Americans Don’t Get Their Free Annual Credit Reports

Credit Score

42% of Americans Don’t Get Their Free Annual Credit Reports

42% of Americans Don’t Get Their Free Annual Credit Reports

People may wait in excessively long lines to get a bite-sized sample at Costco, but nearly half of Americans don’t take advantage of a much more important freebie. According to a new Equifax survey, most consumers know they have access to free credit reports each year, but 42% don’t seem to be capitalizing on the... Read More

How to Keep Your Credit Card From Becoming Totally Useless

Credit Cards

How to Keep Your Credit Card From Becoming Totally Useless

How to Keep Your Credit Card From Becoming Totally Useless

Whether you’re grabbing a morning latte or buying souvenirs on vacation, you expect your credit card to work when you hand it to the cashier. But if there’s a hold on your card, that won’t happen. Credit card companies may put a hold on your account when they see suspicious activity in order to protect their assets... Read More

Can My Kids See My Credit Report?

Credit Score

Can My Kids See My Credit Report?

Can My Kids See My Credit Report?

To view your credit report, you typically have to provide the credit reporting agencies with your Social Security number. You’re also generally asked to answer some security questions, based on information on your credit file, to verify it is, in fact, you requesting the report. (Sample Q: What is the name of your student loan servicer?)... Read More

5 Reasons Not to Be Embarrassed About Your Debt

Managing Debt

5 Reasons Not to Be Embarrassed About Your Debt

5 Reasons Not to Be Embarrassed About Your Debt

Debt is a delicate subject. If you have $100,000 in debt, is that a good thing or a bad thing? If it’s a mortgage, it might be good. If it’s a mortgage on a house that’s underwater, it might be bad. If it’s a high interest credit card balance, it might be really bad. Here’s... Read More

I’m 27 & I’ve Never Had a Credit Card. Should I Get One?

Credit Cards

I’m 27 & I’ve Never Had a Credit Card. Should I Get One?

I’m 27 & I’ve Never Had a Credit Card. Should I Get One?

Considering all the debt disasters young people witnessed and read about during the financial crisis, it’s unsurprising that credit cards aren’t a popular financial product among today’s 20- and 30-somethings. Several surveys of millennials have found that consumers that age are often debt-averse and favor other forms of payments over credit cards. As someone who... Read More

Don’t Visit Your Parents? That’ll Hurt Your Credit Score in Shanghai

Credit Score

Don’t Visit Your Parents? That’ll Hurt Your Credit Score in Shanghai

Don’t Visit Your Parents? That’ll Hurt Your Credit Score in Shanghai

If you think the credit scoring system in the U.S. is onerous, check this out: Chinese adults living in Shanghai who don’t regularly visit or call their parents could see their credit scores lowered as punishment, according to Chinese media reports. New regulations, which take effect next month, are designed to bolster 2013 legislation aimed at getting Shanghai adults to “visit and... Read More

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