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Christine DiGangi

Contributor |  In Personal Finance, Mortgages

Christine DiGangi is the former Deputy Managing Editor – Engagement for Credit.com and covered a variety of personal finance topics. Her writing has been featured on USA Today, MSN, Yahoo! Finance and The New York Times International Weekly, among other outlets.

Using Debit Card as Credit

Credit Cards

Using Debit Card as Credit

Using Debit Card as Credit

While you can use a debit card to pay for almost all the things you would use a credit card for, these cards aren’t the same type of thing. A debit card is tied to existing money, either prepaid on the card itself or in your savings or checking account. A credit card lets you make purchases on credit, and... Read More

Does Getting Rejected Hurt Your Credit?

Credit 101

Does Getting Rejected Hurt Your Credit?

Does Getting Rejected Hurt Your Credit?

Does Getting Rejected Affect Credit Score? Applying for credit takes at least a bit of work—you may need to gather income documents or fill out a paper or online application. And you probably have some hopes resting on this process, such as getting a new vehicle or a new credit card. So, disappointment is understandable if the... Read More

15 Tips to Improve How You Handle Money

Personal Finance

15 Tips to Improve How You Handle Money

15 Tips to Improve How You Handle Money

Is your goal to live life like your favorite reality TV star, or do you just want financial stability and a luxury vacation every now and then? Whatever your lifestyle goals, you can’t meet them without learning how to be responsible with money. No one wants to be stuck in debt. The best way to... Read More

7 Reasons Your Credit Score Isn’t Improving

Credit Score

7 Reasons Your Credit Score Isn’t Improving

7 Reasons Your Credit Score Isn’t Improving

Your credit score is a critical factor in whether you can obtain a home loan or a new credit card or, in some cases, open a bank account or find affordable car insurance. Making payments in a timely manner and otherwise handling debt in a responsible way typically drives your credit score up. Making late... Read More

What Do I Need to Know If I Haven’t Filed My Taxes Yet?

Taxes

What Do I Need to Know If I Haven’t Filed My Taxes Yet?

What Do I Need to Know If I Haven’t Filed My Taxes Yet?

Like most people, I haven’t filed my taxes yet. I’m busy. I haven’t even started getting organized. If you’re like me, whatever your reason for not filing yet. It’s really not a big deal. We have until April 15 after all. But, waiting until the last minute to file our taxes means we might be rushed.... Read More

Do I Need a Good Credit Score to Get Student Loans?

Student Loans

Do I Need a Good Credit Score to Get Student Loans?

Do I Need a Good Credit Score to Get Student Loans?

Article originally published October 14th, 2013. Updated October 29th, 2018.  Consumers’ credit scores can determine their ability to get auto loans, mortgages, personal loans, and all kinds of other financing. But student loans are different. It can be challenging enough to get into a certain academic program — but do students have to make a... Read More

How Fast Can a Secured Credit Card Improve My Credit?

Credit 101

How Fast Can a Secured Credit Card Improve My Credit?

How Fast Can a Secured Credit Card Improve My Credit?

Articles originally published February 23rd, 2015. Updated October 29th, 2018. If you’re trying to build credit for the first time or improve a credit score that has been damaged by past financial problems, you may have heard advice about using a secured credit card. Using a secured card can be an effective way to establish a positive credit... Read More

Can You Be Denied a Rental Home Because of Bad Credit?

Credit 101

Can You Be Denied a Rental Home Because of Bad Credit?

Can You Be Denied a Rental Home Because of Bad Credit?

Article Updated August 1, 2018. The most well-known consequence of having bad credit is trouble getting loans or credit cards, but a low credit score can also make it difficult to find a place to live. Landlords, especially large property-management companies, will likely check your credit report before approving your lease, and there are plenty of negative items that... Read More

The Right Way to Pay Your Credit Card

Credit Cards

The Right Way to Pay Your Credit Card

The Right Way to Pay Your Credit Card

Article updated by Brian Acton June 20, 2018 Unlike most monthly bills, credit card payments give you the ability to decide your payment amount, letting you pay multiple ways. The right way to pay your credit card depends on your budget and financial goals, and you might even switch up strategies month-to-month. But before you... Read More

Find Out Which Bills Affect Your Credit Score

Credit Score

Find Out Which Bills Affect Your Credit Score

Find Out Which Bills Affect Your Credit Score

Here’s the truth about your credit score: what you don’t know can hurt it, and there’s some confusion about exactly what can cause the pain. A 2015 TransUnion survey asked consumers whether they believed a few common bills are regularly reported to the major credit reporting agencies. The data came from a survey of 1,001... Read More

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