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Credit History

Building Your Child's Credit History

Robert Harrow | Posted 09.02.2015 | Business
Robert Harrow

As back-to-school season is wrapping up, many parents have equipped their kids with the supplies they will need for the upcoming year. However, many have likely forgot to pack a tool their child may be in desperate need of -- a credit card.

Co-Signer vs. Authorized User: What's the Difference?

Kari Luckett | Posted 06.15.2015 | Money
Kari Luckett

Many parents want to help their children start building their credit foundation early, and to do so, they become co-signers or allow their children to become authorized users on their credit card accounts. Both of these options have advantages and disadvantages, but do you know the difference?

4 Common Credit Card Mistakes To Avoid

Robert Harrow | Posted 05.25.2015 | Money
Robert Harrow

While building up a credit score and credit history is ingrained in virtually every American today, we are seldom presented with information that can make the tasks at hand less perilous. Below is a simple list of mistakes to avoid as you use credit cards.

4 Credit Fixes That Actually Work (That Nobody Uses)

Neal Frankle | Posted 04.19.2015 | Business
Neal Frankle

If your credit report has mistaken, don't become just another statistic and don't stop fighting. Here are four unconventional tactics you can use to stick it to the credit man and get the results you want.

Hunter Stuart

Lots Of Credit Reports Have Mistakes. But Good Luck Getting Yours Fixed. | Hunter Stuart | Posted 02.03.2015 | Business

Erica Alvarez’s life was turned upside down in 2011, when a handful of overdue hospital bills showed up on her credit report. Interest rates for her...

The Quickest Way to Build Credit Using a Secured Credit Card

Curtis Arnold | Posted 01.19.2015 | Money
Curtis Arnold

The good news for those in need of a secured credit card is there are tons of options. Which also happens to be the bad news, since all those choices can quickly overwhelm and make you despair of ever finding the right fit.

You Have Literally Dozens of Credit Scores -- Here's What You Can Learn From Just One

Credit Karma | Posted 11.25.2014 | Money
Credit Karma

Even though there's so much variety in the market for credit scores, most scores are drawn from the same basic elements. Want to take some of the mystery out of credit score calculations?

How to Keep Your Child's Identity Safe

Credit Karma | Posted 11.04.2014 | Money
Credit Karma

While a slew of data breaches have recently impacted adults, kids are actually targeted roughly 35 times more often than adults and have become the fastest growing population of identity theft victims.

Assessing Financial Literacy Education

Mary Johnson | Posted 04.01.2014 | College
Mary Johnson

We must continue to advance these important efforts in our high schools, colleges and communities. The stakes for our students and our nation are high, but we are making progress in empowering Americans to take charge of their financial futures.

Game Changer: Credit History More Important Than Looks in Dating | Posted 11.04.2013 | Women

Physical attraction, intelligence and a good sense of humor are all still high on the list in dating. But more people are actively looking for signs of financial responsibility and compatibility before deciding to pursue relationships.

How to Fix Errors on a Credit Report

Clark Howard | Posted 08.12.2015 | Business
Clark Howard

Did you hear about the woman who sued Equifax for $18 million because they wouldn't fix errors on her credit report even after she diligently stayed on top of them for two years?

Three Tips for Getting a Business Loan: What You Need to Know

Mary Ellen Biery | Posted 05.18.2013 | Small Business
Mary Ellen Biery

Applying for a business loan can be intimidating and stressful, and it can be confusing to have an application rejected with little explanation. Three of these steps are described below, and should be completed prior to approaching a financial institution about a loan.

The 10 Things You're Too Shy to Ask About Credit -- But Should

LearnVest | Posted 03.12.2013 | Business

There's a lot that the basics don't cover, and questions that you might be embarrassed to ask, like how to start rebuilding your credit after a bankruptcy. We cover 10 of the top I'm-too-chagrined-to-ask questions.

Your Employer Is Pulling Your Credit! Are You Ready?

Jeanne Kelly | Posted 11.20.2012 | Money
Jeanne Kelly

If you are job-hunting now or thinking about looking for a job next year, or if you are in a job that pulls credit reports, do your career a favor and take some time to look at your credit reports right now.

Have the 'Good Debt' vs. 'Bad Debt' Rules Changed?

Jason Alderman | Posted 01.06.2013 | Money
Jason Alderman

Before the recession of 2008 overturned many long-held financial beliefs, it wasn't uncommon for people to differentiate between "good debt" and "bad debt." Today, it's time to re-examine the concept that, in certain cases, acquiring debt may still make sense.

How to Borrow Money to Buy a Car (Even If You Have No Credit History)

Jeanne Kelly | Posted 08.07.2012 | Money
Jeanne Kelly

If you're not in this situation, imagine how hard it would be to try to build a credit history when no one will give you credit. If you're IN this situation, it probably feels like you have an up-hill battle just to get those essential-to-life loans that other people take for granted.

Teach Your College Student to Use Credit Wisely

Women & Co | Posted 08.12.2012 | Parents
Women & Co

Students take all kinds of things to college with them, but perhaps the most useful item -- and potentially the most financially dangerous -- could be a credit card.

Are Employer Credit Checks Pushing Us Back into a Recession?

Sanjay Sanghoee | Posted 08.05.2012 | Business
Sanjay Sanghoee

A lot of those people are facing a grim Catch 22. Because of the recession, they lost their livelihood and good credit, and now that damaged credit is preventing them from a finding a job to fix the problem.

When Someone Else's Credit History Hurts You

The Huffington Post | Bonnie Kavoussi | Posted 05.07.2012 | Money

Could you imagine being denied a loan because someone who shares your name tarnished your credit history? It could happen. Credit reports are ofte...

Forget Credit Scores: The Case for Credit Grades

Justine Rivero | Posted 07.01.2012 | Money
Justine Rivero

If you've had a headache trying to understand your own credit score, pass the aspirin; you aren't the only one.

Can Your Roommate Ruin Your Credit? | Posted 06.27.2012 | Money

Jim is careful to always pay his bills on time, keep his credit balances low and has a pretty good credit score.  Rick, his roommate, is quite the opposite.

7 Final Lies About Credit Scores That Can Cost You

Laura Adams | Posted 05.29.2012 | Money
Laura Adams

Federal law allows government agencies and businesses that have a legitimate need for your credit information to access your credit report before doing business with you or after you become a customer -- even without your permission.

7 More Credit Score Lies That Cost You Money

Laura Adams | Posted 05.28.2012 | Money
Laura Adams

What you don't know about credit can hurt your personal finances on many levels. So here are seven more lies about credit scores that you should never fall for.

The 411 on Prepaid Cards

Jason Alderman | Posted 12.05.2011 | Business
Jason Alderman

Bottom line: Always make sure you fully understand the terms and conditions of any financial product or account before signing up.

Credit Card APRs are Stable, Unless You Have Bad Credit

Tim Chen | Posted 05.25.2011 | Business
Tim Chen recently reported a slight hike in the national average APR for new credit card offers, a negligible bump of 0.01%. Despite the eye-ca...