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Credit

Institutions Need to Manage Change to Ensure Future Success

Dr. William J. Carroll | Posted 01.23.2014 | Education
Dr. William J. Carroll

There once was a time when students attended a particular university to study under a particular scholar. This hearkens back to a long ago time when teachers were itinerant with their students in tow. Those times are no more.

Simple Ways To Raise Your Credit Score

Simple. Thrifty. Living. | Posted 01.23.2014 | Business
Simple. Thrifty. Living.

If you're like most people, the recession took a toll on your finances and probably your credit score. So how do you get it back to where it needs to be? There are a couple quick and simple ways to you can raise your credit score now.

Do Credit Repair Services Really Work?

Simple. Thrifty. Living. | Posted 12.28.2013 | Business
Simple. Thrifty. Living.

Credit repair is not a guaranteed fix of your credit score, but if you go in knowing the risks and pick a company with a good reputation and money-back guarantee, you can hopefully avoid being burned.

11 Countries That Still Have Perfect Credit

24/7 Wall St. | Charley Blaine | Posted 10.20.2013 | Business

A bipartisan deal was reached to end the government shutdown and raise the debt ceiling on Wednesday. While this provides immediate relief, the agreem...

Increase Competition Among Banks to Help Small Businesses

Jess Cornaggia | Posted 01.23.2014 | College
Jess Cornaggia

After discussing the IBBEA, a few colleagues and I became curious if there was a correlation between banking regulation and the overall impact on state-level innovation. Following previous research on how this expanded access to credit improves productivity and makes it easier for producers to manager operational risk, we wanted to explore if expanded access to credit (via greater competition amongst banks) had allowed firms to become more innovative.

Is There Ever a Good Time to Close a Credit Card?

MyBankTracker | Posted 01.23.2014 | Business
MyBankTracker

Before you actually close your credit card, consider the effects that this will have on your credit scores.

7 Credit Mistakes That Could Wreck Your Retirement

Adam Levin | Posted 11.26.2013 | Business
Adam Levin

We are a confident generation, which is a good thing. But when it comes to the way we manage our financial lives -- particularly our credit -- that confidence can make us vulnerable.

Choosing a Reputable Credit Counselor

Dedrick Muhammad | Posted 11.03.2013 | Black Voices
Dedrick Muhammad

If you are having trouble paying your bills on time and are living paycheck to paycheck, you may benefit from going to a credit counselor to get your budget on track.

What Is the Optimal Credit Score?

Simple. Thrifty. Living. | Posted 11.02.2013 | Business
Simple. Thrifty. Living.

Truthfully, the highest credit score is not the score you should be shooting for. The whole point of a credit score is to get you the best rates and credit limits when you are applying for loans and credits. While it seems like the highest score would get you the best rates, you actually don't even need to aim that high.

How to Fix Errors on a Credit Report

Clark Howard | Posted 10.30.2013 | Small 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?

7 Huge Mistakes Back-to-School Shoppers Make

Adam Levin | Posted 10.08.2013 | Business
Adam Levin

If you have kids in school -- K through 12 or college -- you don't need anyone to remind you that back-to-school season has arrived. Between those early-season sales and last-minute shopping, there's plenty of potential for trouble in the realm of personal finance.

10 Steps to Help Erase Errors on Your Credit Report

MyBankTracker | Posted 10.06.2013 | Business
MyBankTracker

In order to avoid the headache of cleaning up your credit report due to inaccuracies, it would be beneficial to check your credit report with the three major credit bureaus (Equifax, TransUnion and Experian) annually.

Mark Gongloff

Private Equity Firms Are Back To Their Pre-Crisis Shenanigans

HuffingtonPost.com | Mark Gongloff | Posted 08.06.2013 | Business

It has been almost five long years since the collapse of Lehman Brothers, and you know what that means: It's about time we had ourselves another finan...

Simple Ways We Ruin Our Credit Without Knowing It

Simple. Thrifty. Living. | Posted 10.04.2013 | Business
Simple. Thrifty. Living.

A recent FTC study showed that almost 42 million people have errors on their credit report, which is a ridiculous number of people. Five percent of those people saw a 25-point jump in their credit score once the errors were fixed. What does this mean?

5 Things You're Doing That Could Make Your Life Hell

Adam Levin | Posted 10.01.2013 | Technology
Adam Levin

Here are five things people do, which they shouldn't, that can really make life much harder than it needs to be.

Woman Wins HUGE Lawsuit After Company Messes Up Her Credit Report

AP | Posted 09.26.2013 | Business

PORTLAND, Ore. (AP) — A federal jury in Oregon awarded $18.6 million to a woman who spent two years unsuccessfully trying to get Equifax Information...

6 Financial Hurdles to Jump Before You Turn 30

Simple. Thrifty. Living. | Posted 09.25.2013 | Business
Simple. Thrifty. Living.

It's OK if you haven't figured out what you want to do by the time you hit 30, but you should be doing something.

How to Come Back From a Financial Crisis

Simple. Thrifty. Living. | Posted 09.21.2013 | Business
Simple. Thrifty. Living.

It seems we are on the other side of the recession, or at least on our way out, but that doesn't mean we're not still feeling the pain from it.

5 Credit Mistakes That Brides Can Make

Jeanne Kelly | Posted 07.16.2013 | Business
Jeanne Kelly

What bride-to-be hasn't thought about a summer wedding? No matter when your wedding is, here are a few credit-related mistakes to avoid as you get married.

10 Common Credit Card Complaints

Credit.com | Posted 09.08.2013 | Business
Credit.com

By Jason Steele Credit cards are not terribly complex products, but they can be terribly misunderstood. Although many cardholders are satisfied with ...

'I Don't Care About My Credit Score'

Credit.com | Posted 09.01.2013 | Business
Credit.com

By Gerri Detweiler Several years ago, my father received a letter from his auto insurer saying he didn't get the highest discount due to his credit s...

How I Learned to Live Without Credit Cards

Simple. Thrifty. Living. | Posted 08.28.2013 | Business
Simple. Thrifty. Living.

If you prepare properly, you can still live without credit cards and continue to have a healthy lending history.

Just Graduated? Don't Make the Same Financial Mistakes I Did

Simple. Thrifty. Living. | Posted 08.24.2013 | College
Simple. Thrifty. Living.

You'll probably be making more money then you've made in your life before, and your first instinct is going to be to spend that extra income. That's what I did. Before you blow all of your first paycheck in one place, set up a budget of what your monthly bills are.

Gold Is Poised to Rally Mid-Summer

Natalie Pace | Posted 08.17.2013 | Business
Natalie Pace

Wall Street's rally has tarnished gold's allure, but that could all change over summer, when politicians go to war over the debt ceiling, particularly if Fitch makes good on their downgrade warning.

No, You Shouldn't Take Out the Largest Mortgage Possible

Women & Co | Posted 08.17.2013 | Business
Women & Co

For many Americans, a mortgage is indeed the most attractive way to borrow because interest rates are not only low, but also the interest is often tax-deductible.