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Credit

When Making a Balance Transfer, Look for 0 Percent APR First

NerdWallet | Posted 10.28.2015 | Business
NerdWallet

For many a new balance transfer credit card is the most cost-effective way to pay down debt. In some cases, getting a balance transfer credit card and moving a debt over may even improve your credit slightly.

Why You Should Cut Up Your Affinity Travel Credit Card

Christopher Elliott | Posted 10.25.2015 | Travel
Christopher Elliott

A recent poll bears out something I already believed to be true, and am happy to see: Consumers are finally losing their enthusiasm for airline and other affinity credit cards.

Finance Technology and You: Getting Proactive With Credit

Yee Lee | Posted 10.15.2015 | Technology
Yee Lee

Technology has a long history of reshaping the relationship between people and their money. Remember life before the ATM? Imagine how different your spending habits would be if you still had to walk into a bank and speak with someone every time you wanted extra cash.

Millennials Get Clever With Credit

Kali Hawlk | Posted 10.14.2015 | Business
Kali Hawlk

The Millennial generation is usually defined as people born between 1980 and 2000. That places the demographic anywhere between 36 and 16 years old -- and as I'll turn 26 at the end of the year, I'm smack in the middle of Gen Y.

Before Adding Your Child to Credit Card, Set Limits

NerdWallet | Posted 10.13.2015 | Business
NerdWallet

This is the first installment of a semi-monthly Q&A on credit and credit cards by Sean McQuay, credit cards expert at NerdWallet, a personal finance website. McQuay will answer readers' questions about credit card terms, credit scoring, credit card rewards and consumer debt.

Experian Breach Exposes 15 Million T-Mobile Customers, Applicants' Information: What You Need to Know

NextAdvisor.com | Posted 10.07.2015 | Business
NextAdvisor.com

If you've applied for a T-Mobile phone plan within the past two years, there's a high chance your information may have been breached by Experian -- one of the three major credit bureaus.

The 45-Minute Financial Literacy Workout For High School Seniors

John Pelletier | Posted 10.07.2015 | Education
John Pelletier

You have many important decisions ahead of you. Ask for help. Do your research before you make these critical choices. The path you choose will impact you for many years to come.

How to Master Your Credit Scores Without a Trial By Fire

Adam Levin | Posted 10.01.2015 | Business
Adam Levin

Learning from our own mistakes, while often unpleasant, is easier in a sense, because it doesn't require compromising another person's privacy (or dignity).

The #1 Number to Know For Small Businesses Seeking Financing

Jim Salters | Posted 09.24.2015 | Business
Jim Salters

Many small business owners begin their search for capital by seeking out financing options. However, they might be skipping an important step: knowing their business' credit score.

After Foreclosure the Boomerang Buyers Return

Anna Cuevas | Posted 09.22.2015 | Business
Anna Cuevas

Homeowners who lost their homes to foreclosure are making their reappearance into the housing industry.

8 Things You Never Knew About Debt Financing

Murray Newlands | Posted 08.18.2015 | Business
Murray Newlands

While you may assume the best and only route to launching and scaling up your startup is through funding from VCs or angels, or maybe even crowdfunding, there is still a lot to be said about debt financing. Yes, the money has to be paid back within a designated amount of time and often with interest.

Soft vs. Hard Inquiries: What's the Difference & How do They Affect Credit

Kari Luckett | Posted 08.03.2015 | Education
Kari Luckett

Having and maintaining an excellent FICO credit score can be the difference between getting approved or denied for a loan, and also influences your interest rates. There are several factors that can have positive or negative effects on a credit score.

4 Tips to Protect Seniors Against Fraud and Identity Theft

NextAdvisor.com | Posted 07.22.2015 | Fifty
NextAdvisor.com

Although most anyone can be a target of fraud and identity theft, senior identity theft is on the rise and those ages 50+ are often in the cross-hairs of scammers. The U.S. government is taking steps to help circumvent the high level of fraud aimed at seniors, but it can only do so much -- and progress in this area has been fairly slow.

The Millennial Mindset That's Setting Them Up for Financial Success

Adam Levin | Posted 07.09.2015 | Business
Adam Levin

Millennials are big on communication and DIY projects. While some say they are self-centered, or even self-obsessed, others point to their tendency for group-think and communitarian leanings.

Make July 4th Your Independence Day From Bad Credit or No Credit

Jeanne Kelly | Posted 07.02.2015 | Business
Jeanne Kelly

Once the 4th of July holiday rolls around the year is half over. But since I'm a glass-half-full-gal, I see it as a great time of the year to take stock and check in on how I'm doing with goal progress. I would encourage you to do the same. How are you doing on your financial goals for the year?

5 Ways Millennials Are in Danger of Bank Fraud

GOBankingRates | Posted 06.28.2015 | Business
GOBankingRates

Millennials aren't incredibly worried about bank fraud -- but they should be. According to a 2014 Federal Trade Commission study, 20- to 29-year-olds are the highest reporting group for identity theft, making up a full fifth of complaints across all age brackets.

Planning a Wedding on a Budget

Jason Alderman | Posted 06.24.2015 | Weddings
Jason Alderman

Couples can save considerable money through creative scheduling, direct planning and most important, treating their wedding as just one of many financial issues they'll navigate in a lifetime. That's why they might want to consider a little financial planning before the wedding planning starts.

'How I Got Out Of $63,000 Of Credit Card Debt'

Credit.com | Posted 06.23.2015 | Money
Credit.com

Sleepless nights. A knot in the pit of the stomach. A gnawing sense of unease. Charles Phelan was familiar with the physical and emotional toll of debt. But usually it was his clients who were experiencing those symptoms. This time, it was his turn.

7 of the Worst Credit Card Mistakes You Could Make

Kari Luckett | Posted 06.18.2015 | Business
Kari Luckett

It's no secret that having a good credit score is essential to a healthy financial future. So why do so many people still struggle to reach a FICO Score of 740 or higher? One theory is that many individuals are making the same habitual mistakes and don't even realize that they're actively jeopardizing their credit score.

4 Habits Of Consumers With Poor Credit Scores

CompareCards | Posted 06.18.2015 | Money
CompareCards

Consumers with less than average credit, or poor credit, have difficulty acquiring the necessities that lead to comfortable living. Obtaining an excellent credit score can be extremely difficult, especially if consumers with poor credit don't know what they're doing wrong.

Should You Use Cash or Credit?

Barry Choi | Posted 06.18.2015 | Business
Barry Choi

Cash or credit, it's the endless debate. Some of us prefer the convenience of credit, but if we're not careful, we could end up with a ton of debt. On the other hand, cash can help keep our spending under control, but we lose out on the benefits that credit offers.

The Be-All, End-All Saving Solution: Stop Locking Your Cards Drawers! Instead, Do This...

Eli Dagostino | Posted 06.16.2015 | Healthy Living
Eli Dagostino

Slowly but surely shopping cart tabs disappear, I find myself spending more time producing and sharing and less time consuming. I will have what I'm saving for (and more) sooner than ever!

Tips For Young Adults Selecting, Building, And Using Credit

Steve Min | Posted 06.16.2015 | Money
Steve Min

Would you rather pay $262 per month or $380 for the exact same thing? Establishing a strong credit profile will help you save money over your lifetime, especially on big ticket purchases: cars and homes.

6 Habits of Consumers With Excellent Credit Scores

Kari Luckett | Posted 06.11.2015 | Money
Kari Luckett

A healthy credit score is almost essential for comfortable living these days. Without credit, it's nearly impossible to get an auto loan, mortgage, or personal loan if needed. Interest rates are excessively high for those who have limited or bad credit.

How Credit Card Interest Is Calculated, and How to Pay Less

CompareCards | Posted 06.10.2015 | Money
CompareCards

Credit card interest is a real problem for many cardholders. It is so expensive that credit card users need to take a few minutes to understand how it works. And once they do, they can take steps to pay as little as possible.