People are out of work, deeply in debt, and having their homes foreclosed. It's a grim picture. However, that is not an accurate picture of the whole country. The fact is that credit conditions vary radically from state to state.

To be sure, VA loans aren't the best fit for every military borrower. Veterans with sterling credit and enough cash to cover a healthy down payment might want to seek conventional financing. But that's far from the norm for most service members and their families.

LOS ANGELES -- Americans are carrying more credit card debt than a year ago, yet the late-payment rate for card holders remains near an 18-year low, a...

WASHINGTON -- Americans cut back on credit card use in June, a sign that high unemployment and slow growth have made some more cautious about spending...

Being maxed out isn't ideal but when it comes to your credit score, timeliness of your payments is more important to get current. That is, paying on time to not have a new late charge appear on your report is improvement! So getting current is a priority.

When Frank Deyoub and his wife were thinking about names for their newborn son, one moniker was completely off the table: Frank Deyoub. "If I named...

As we are demanding the business become more accountable to the American people, it is now our turn to demand greater accountability of ourselves.

Both experiencing the emotional loss of a loved one and the emotional loss of your financial life are similar in some distinct ways. However, the emotional stages of debt also have two additional components that a mortal death does not.

Everybody knows how important it is to maintain good credit, but a lot of people don't know how. Some think it's necessary to revolve a credit card ba...

I propose the creation of a new banking industry initiative called NOBAR (Nonstandard Borrowers Alternative Resource). Its mission is to help responsible individuals with bad credit scores -- where reasonable and appropriate -- secure a new mortgage or refi.

If times are tough for you and your family, we can help connect you with the tools and information you need to get back on your feet. We're launching ...

Should you pay your entire credit card bill every month? Or does it give your credit score a boost to leave a small balance month after month?

How much does a single late payment affect your credit scores? Of course, as with so many things related to credit scores, the answer is, "It depends." But the irony is, the better your credit, the more you may feel the sting.

By Steven Ely Unless they are in trouble, most people don't wake up in the morning thinking about credit. Not even me, and I've spent much of my care...

If you just graduated, you might be looking forward to managing money on your own. Certainly, it's deliciously liberating. But it can also be tricky.

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

You can't get a credit card if lenders think you're dead. Bea Cohen, 81, of New Jersey, has been denied credit for years because credit rating agen...