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Credit

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.

What You May be Doing Everyday to Reveal Your Identity and Good Credit

Jeanne Kelly | Posted 06.10.2015 | Business
Jeanne Kelly

Next time you plan to have a sensitive or private conversation, take a moment to make that call in a private location. Remember also that neither emails nor text messages are secure forms of communication for your private information as well.

Credit Repair Services vs. Repairing Your Own Credit

Simple. Thrifty. Living. | Posted 06.28.2015 | Business
Simple. Thrifty. Living.

Repairing your credit can be an uphill battle, but with the right strategy, it's possible to improve your credit health over time. The big question is whether you want to use a credit repair service to accomplish your credit repair goal or take this project on yourself.

Identity Theft and Credit Card Fraud... Who Is Really at Risk?

Chris Mettler | Posted 06.02.2015 | Parents
Chris Mettler

With the number of identity theft cases steadily on the rise, it's becoming clear that identity theft isn't just a problem for adults. Children are the new targets of identity theft fraudsters.

Could Your LinkedIn Profile Be Your New Credit Score?

Aryea Aranoff | Posted 05.20.2015 | Money
Aryea Aranoff

If you're a working professional and you're using social media to connect with friends, colleagues and business opportunities, then you need to be aware that your posts, updates, tweets and pictures can impact your financial future.

What Can Chicago Learn From Baltimore?

Matthew Dietrich | Posted 05.14.2015 | Chicago
Matthew Dietrich

Could Chicago see the kind of angst viewed in Baltimore last month and Ferguson last year? One Illinois professor says racially charged civil unrest and dissatisfaction with police in Chicago might be inevitable.

Can Your Credit Score Be Too High?

CompareCards | Posted 12.08.2015 | Education
CompareCards

Think of it like this; a 740 credit score is the equivalent of an A+, and there is no such thing as A+++++. If you have a credit score significantly above 740, then I suppose you can brag about it to your friends, but you won't receive any benefits above what you would have if your score was just 740.

5 Best EMV Chip Cards For Your Summer Travel Plans

NextAdvisor.com | Posted 06.29.2015 | Money
NextAdvisor.com

Whether you're planning a European vacation this summer or just looking for a great travel card that also has the EMV technology, we've detailed five of the best travel rewards credit cards.

3 Things People With Bad Credit Need To Know

NextAdvisor.com | Posted 06.29.2015 | Money
NextAdvisor.com

It's not the end of the world if you have bad credit. Actually, millions of Americans have credit that's rated below average. While it's not something you might be proud of, it's important to know that there are some ways to make it better.

Should I Apply for a Credit Card?

Robert Harrow | Posted 06.27.2015 | Business
Robert Harrow

Recent trends have shown that Americans, particularly millennials, are weary of using credit cards. The problem largely stems from the way credit cards are viewed today. They are typically perceived as a "last resort" for consumers who can't afford to pay for their purchases.

Bankers Predict Higher Credit Card Balances in 2015

Kari Luckett | Posted 06.24.2015 | Money
Kari Luckett

The quarterly survey results from banking experts predict higher levels of credit card debt in 2015, which could cause consumers to have more delinquent payments.

4 Things to Do When Your Credit Score Reaches 'Good' or 'Excellent'

Simple. Thrifty. Living. | Posted 06.13.2015 | Business
Simple. Thrifty. Living.

It wasn't easy, but your credit score just passed the 661 mark into "good" territory or the 781 mark into the "excellent" category. Congratulations, you're now a credit score champion! After you're done basking in your own glory, it's time to actually put that credit score to effective use.

How I Lived Without a Credit Card for 25 Years

GOBankingRates | Posted 06.08.2015 | Money
GOBankingRates

If you're wondering why I'm so excited to be the owner of what is basically a Fisher-Price credit card, you have to understand the Napoleon complex that not having any credit gave me.

3 Ways To Pay Off Your Mortgage Faster

NextAdvisor.com | Posted 05.24.2015 | Money
NextAdvisor.com

There are a lot of benefits to paying off your mortgage faster. For one, you'll save money on interest charges, which can be tens of thousands of dollars over the course of a loan. Here are tactics you can use to pay off your mortgage faster.

Credit Agencies To Go Easier On Medical Debts

Shindy Chen | Posted 05.23.2015 | Money
Shindy Chen

Around 43 million Americans have past due medical debts on their credit reports, according to a December 2014 report by the Consumer Financial Protection Bureau (CFPB).

5 Bad Money Habits You Can Break Today

Credit.com | Posted 05.20.2015 | Money
Credit.com

When it comes to bad financial habits, there are some serious ones that can cost you thousands of dollars. Which of these habits are you guilty of committing?

Big Changes Coming To Your Credit Reports: What You Need To Know

NextAdvisor.com | Posted 05.18.2015 | Money
NextAdvisor.com

Your credit reports are going through a major overhaul, and it's one that will help consumers. These credit bureau changes will take time to implement, but it's a nice change to go with the revamped FICO scores we saw last year.

The Fresh Start of a Bankruptcy May Restore Credit Faster

Richard Gaudreau | Posted 05.05.2015 | Money
Richard Gaudreau

People consider filing bankruptcy when the alternative has become worse. Figuring out if you are at that point though can be difficult. One misconception that makes people hesitate to file bankruptcy is the impact on their credit.

Is It Time for Consumers to Fight Back Against Traditional Credit Scoring?

Miranda Marquit | Posted 05.05.2015 | Money
Miranda Marquit

Since the 2008 financial crisis, a growing number of consumers have questioned the current credit scoring system that runs our financial lives. Even consumers with good financial habits find it difficult to access the credit they desire because of their "thin" credit files.

What's The Best Way To Consolidate Debt?

NextAdvisor.com | Posted 04.29.2015 | Money
NextAdvisor.com

Studies released by Urban Institute in July 2014 showed that 35 percent of Americans -- roughly one out of three -- are so behind in their finances that they have debt in collections. Many people become overwhelmed by their debts, but they don't have to be.

5 Things You Do Every Day That Can Improve Your Credit

Credit.com | Posted 04.25.2015 | Money
Credit.com

Some of the best ways you can help your credit are so ingrained in your day-to-day routine, you're probably working on your credit without really thinking about it. The simple, carefree route to good credit -- sounds nice, doesn't it?

10 Tips For Boosting Your Credit Score In 2015

WiserAdvisor.com | Posted 04.21.2015 | Money
WiserAdvisor.com

Your credit score is more than just a three-digit string of numbers; it holds real power over your ability to rent an apartment, apply for a mortgage, secure a car loan and even get a job. What can you do if your credit score isn't as great as you'd like it to be?

9 Simple Money Moves You Can Make In 10 Minutes Or Less

LearnVest | Posted 04.21.2015 | Money
LearnVest

Minding your money doesn't have to be time-consuming. No, really! There are plenty of quick and simple steps you can take that can have a positive impact on your financial wellbeing.