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Founded and run by leading credit experts including journalists, authors and consumer advocates, Credit.com is the go-to source -– for people across the credit spectrum -- looking to make smarter financial decisions. We provide consumers with a free, personalized view of their credit standing and tools to research & compare credit cards & loans.

Entries by Credit.com

We Paid Off $90K of Debt in 4 Years

(1) Comments | Posted September 18, 2014 | 3:40 PM

By Gerri Detweiler, Credit.com

Paul and Joan Ostroff went into debt trying to give their son, Andrew, a shot at getting past a learning disability so that he might be able to go to college.

Joan, a preschool and elementary teacher, knew something wasn't right and that their son had...

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Rep. Virginia Foxx: The Student Loan Debt Solution Is All About Jobs

(1) Comments | Posted September 9, 2014 | 10:52 AM

By Rep. Virginia Foxx for Credit.com

Many college graduates are delaying some of life's most important decisions -- including starting a family and buying a home -- because they face a pile of debt with no job prospects.  A record number of young adults live with their parents and roughly...

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Sen. Elizabeth Warren: The Vote That Could Cut Your Student Loan Bills

(18) Comments | Posted September 9, 2014 | 10:48 AM

By Sen. Elizabeth Warren for Credit.com

Student loan debt is exploding. It has grown so much and so fast that it not only crushes millions of young people, but it also has started to weigh down our entire economy. Total nationwide student debt now stands at $1.2 trillion, more...

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The Slacker's Guide to Paying Off Debt

(2) Comments | Posted August 21, 2014 | 8:09 PM

By Lucy Lazarony, Credit.com

Want that debt gone with as little effort as possible? Here are some fast and easy tips for paying down your credit card and other debt.

Even a slacker can be debt-free. Here's how.

1. Consolidate Your Debt

Dealing with multiple due dates each month? Who needs...

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3 Ways 20-Somethings Can Get Debt-Free

(2) Comments | Posted August 5, 2014 | 4:14 PM

By Lucy Lazarony, Credit.com

Getting debt-free in your 20s can be more than just a dream. It can become your reality if you are willing to work hard, pay your debt obligations as agreed and spend less than you make.

With planning and willpower, following these guidelines can help see...

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How I Paid Off $117K of Student Loans

(2) Comments | Posted July 25, 2014 | 9:34 AM

By Gerri Detweiler, Credit.com

When Richard Kline graduated from law school in 2003, he had $117,000 in debt and jobs in the legal field were scarce, so he took a job as a mortgage loan officer. Despite his hard work and a housing market that was just starting to boom,...

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4 Weddings in 4 States for Less Than $2,200

(0) Comments | Posted July 18, 2014 | 2:22 PM

By Christine DiGangi, Credit.com

My husband and I received four wedding invitations for this summer, and we knew we wanted to do everything we could to attend each one. With some strategic saving, budget adjustments and frugal choices, we'll be able to enjoy...

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'How I Cut My Food Budget $600 in 6 Months'

(16) Comments | Posted July 11, 2014 | 6:55 PM

By Kali Geldis, Credit.com

I opened up my budget tracking tool last November and my jaw dropped -- I had spent $1,200 on food that month. That's when I knew I had to make a change.

Now, a few notes about that $1,200 total: That includes groceries, restaurants, bars and...

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Why Equal Pay Is Worth Fighting For

(0) Comments | Posted April 18, 2014 | 2:19 PM

By Sen. Elizabeth Warren for Credit.com

I honestly can't believe that we're still arguing over equal pay in 2014.

When I started teaching elementary school after college, the public school district didn't hide the fact that it had two pay scales: one for men and one for women. Women have...

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Equal Pay Is Just the Start

(0) Comments | Posted April 18, 2014 | 2:15 PM

By Rep. Cathy McMorris Rodgers for Credit.com

If there's one thing Washington is exceptionally good at, it's politicizing the personal. In the past few weeks, the ongoing debate over "equal pay for equal work" has typified this type of unfair politicization - this time with women - and instead of...

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Can Paying Your Taxes Late Affect Your Credit Score?

(1) Comments | Posted April 8, 2014 | 7:52 PM

By Christine DiGangi, Credit.com

It's a good thing to be punctual, especially when it comes to financial matters. Credit scores rely heavily on your payment history, so developing a habit of making on-time payments will help you improve and maintain high...

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Combustible Adjustables: The Troubling Return of the ARM

(0) Comments | Posted April 8, 2014 | 1:55 PM

By Mitchell D. Weiss

It was only a matter of time.

Adjustable-rate mortgages--the apocalyptical financial product of the recent economic collapse--are coming back in a big way. Of course, the banks insist that this time it'll be different. At the moment, they're targeting only high-net worth borrowers. According to...

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How to Rent With Bad Credit

(0) Comments | Posted March 21, 2014 | 1:00 PM

By AJ Smith, Credit.com

We've all heard about the importance of your credit scores when it comes to buying a home. But credit is important for renting as well. Some landlords won't rent to people with low credit scores. This doesn't mean you can't rent a home or apartment, though....

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A Simple Guide for First-Time Homebuyers

(0) Comments | Posted March 17, 2014 | 10:17 PM

By AJ Smith, Credit.com

Taking the leap into home ownership is a big deal. Long considered the American Dream, it signals an entry into adulthood that some people crave.

Millennials are joining the party -- the average first-time homebuyer in...

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ARM vs Fixed-Rate Mortgages: What's Right for You?

(1) Comments | Posted March 13, 2014 | 8:18 PM

By AJ Smith, Credit.com

When it comes to buying a house, you have to make lots of decisions. You have to figure out which neighborhood you want, which school district, how much of a down payment to make, etc. One of these decisions is whether you will take out...

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3 Real-life Money Miracles

(1) Comments | Posted December 31, 2013 | 2:29 PM

Most of us have experienced a cash crunch at one time or another, and thought, "I need a miracle." For these three people, a money miracle is exactly what they got.

The 12 Days of Christmas

the miles children
The Miles children, December...

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The 4 Judgements Every Lender Makes Based on Your Credit

(0) Comments | Posted December 5, 2013 | 11:34 AM

By Mitchell Weiss

Many people believe that the decision-making process for creditors boils down to just one thing: the credit score. Who can blame them, when it seems like your score is the end-all and be-all to getting approved?

Here's the thing, though: Credit scores are really nothing...

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5 Habits That Can Wreck Your Credit

(0) Comments | Posted November 21, 2013 | 7:41 PM

By Jeanne Kelly

Have you ever driven home from work and then not remembered a thing about your drive? Have you ever stepped on the scale and wondered how those extra pounds appeared?

Blame it on habits. Habits are those activities we do unconsciously because we've done them so many...

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5 Seemingly Harmless Things That Can Hurt Your Credit

(0) Comments | Posted November 14, 2013 | 7:58 PM

By Gerri Detweiler

"Mom," my daughter said as she stood by my desk recently waiting for one of her homework assignments to print from my computer, "Did you pay this bill? It was due Oct. 4."

She asked me this on Oct. 14. And no, I hadn't paid it.

The...

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What's the Worst Kind of Debt?

(0) Comments | Posted November 7, 2013 | 8:00 AM

By Gerri Detweiler

What is the worst kind of debt to carry? Is it student loan debt, credit cards, a mortgage -- or something else? Even the experts don't always agree on which debts are "good debt" and which ones are "bad," so imagine how confusing it can be to...

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