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"...What Happens When You Lend To Poor People"
Those are the words of Michael Lewis who documents his
"Can He Really Say That?"
It's a question I've asked before after talking to a debt collector over the phone. At the time I didn't realize that debt collectors must abide by certain
"Can a Collection Agency Take My House?"
If anything can be said about debt collectors, it's that they will stop at almost nothing to get money from you. Fortunately, there are laws governing what
"Debtor's Revolt" Results in Lower Interest Rate From Bank of America
Ann Minch, YouTube user 'Rockerchic4God', broadcast a YouTube rant against Bank of America
"Help! I Don't Understand My Credit Report"
"Maxed Out" Makes You Do Anything But
Although I haven't seen the documentary, the comments in this article from The Shreveport Times make me want to stay far, far away from credit card limits. It
"The Big Lie About Credit Card Debt"
A recent survey conducted by GFK Roper Public Affairs holds that the average American household has over $9,000 in credit card debt. The survey also reveals
$1 Million in Purchases Have Already Been Blipped
It's been live for less than 2 weeks and Blippy users have already made $1 million in credit card purchases. Blippy is a social media site similar to Twitter,
$1500 for Credit Repair? You Can Do it For FREE!
Today I saw a press release from a company offering credit repair services for $1,500. Look at what Credit Restoration Consultants claims they can do for you:
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10 Cities With the Most Debt
U.S. News has put together a list of the Top 10 Cities With the Most Debt. Did your city make the list? Denver - $26,636 average debt per person
10 Effects of Debt Repayment Options
The effects of some debt repayment options are worst than others. The best way to choose a debt repayment option is compare them side-by-side.
10 Holiday Credit Card Mistakes
‘Tis the season when normal credit card rules and safe spending habits are forgotten. Here's a list of 10 holiday credit card mistakes you should avoid.
10 More Ways to Improve Your Credit Score
Here are a few more ways you can improve your credit score.
10 Moves to Make in 2010
You'll have to watch your credit card inserts closely at the beginning of 2010. Your credit card issuer will warn you about upcoming changes to your credit card
10 Places to File Complaints on Credit Businesses
When a bank, financial institution, or another business in the financial industry violates your rights, make sure you complain to the proper government authority.
10 Scary Credit Moments
Some surprises are good - a surprise birthday party, a surprise proposal, a surprise gift. Other surprises are not so good - bank closures, gas price hikes. Beware, your credit score may have some scary surprises of its own.
10 Side Effects of Bad Credit
Since so many businesses now judge you based on your credit score, having bad credit can make life extremely difficult from getting a job to getting a place to live. Here are some of the most common side-effects of bad credit.
10 Side-Effects of Bad Credit
I always laugh at those medication commercials that promise to treat a runny nose, but have a long list of side-effects that are actually worse than the runny
10 Signs You're Headed For Credit Card Debt
Recognizing the signs of credit card debt gives you the ability to manuever away from debt before you get in too deeply.
10 Signs You're Headed For Credit Card Debt
Credit card debt will sneak up on you if you're not paying attention. You'll feel like you woke up one day with a mountain of credit card debt and only the
10 Steps to Better Credit
Living with less than perfect credit? You don't have to let credit problems haunt you for months or even years. You can do something about it today. Yes,
10 Things That Appear on Your Credit Report
Ever wondered what all types of information appear on your credit report. Here’s a list of ten things that are on your credit report.
10 Things That Don't Hurt Your Credit Score
Making late credit card and loan payments will definitely hurt your credit score, but there are some late payments that will never see your credit report. Learn what things won't hurt your credit score.
10 Things You Can Do To Improve Your Credit Score
Bad credit isn't permanent. There are things you can do right now to improve your credit score. Get tips to raise your credit score from bad to good.
10 Things You Should Know About Credit
10 Things You Should Know About Credit
10 Things You Should Know About Credit
Pop quiz! This is one of those wonderful pop quizzes that the teacher where the teacher lets you grade yourself and doesn't count the answers against you - the
10 Things to Do With Your New Credit Card
Before you use or store your new credit card, you need to take a few steps - like activate it, for example. Learn 10 important things to do with a new credit card.
10 Ways to Avoid Credit Card Debt
Credit card debt has the potential to ruin your life. Learn how what you can do to avoid credit card debt.
10 Ways to Avoid Credit Card Debt
Some extremists would tell you to avoid credit card debt by avoiding credit cards completely. Of course, credit cards can be good for you, helping to build your
10 Ways to Get Out of Debt
It’s amazing that it’s so easy (and often fun) to get into debt, but painfully difficult to get back out. Here are some strategies to get out of debt.
10 Ways to Get Out of Debt
Can you imagine what your life would be like if you didn't have to send checks to creditors and lenders every month? How much money you'd be able to put aside
10 Ways to Prevent Detect and Fight Identity Theft
The average identity theft victim spends 600 hours clearing their name. That's a lot of time to spend recovering from a crime of which you were a victim. Many cases of identity theft can be prevented by following a few steps.
10 Weapons to Use Against Identity Theft
Identity thieves get more and more creative. They phish for your personal information by pretending to be your credit card's customer service. Waiters steal
10 Worst Credit Card Mistakes to Avoid
If you have a credit card in your wallet, here are 10 credit card mistakes you should avoid.
12 Credit Moves to Make in 2011
Here's a list of 12 credit moves you must make in 2012. Your good credit depends on it.
12 Naughty and Nice Tips for Holiday Credit Card Spending
After you're done making your Christmas list and checking it twice, you have to decide how to pay for your holiday spending. Here are some tips for using your credit card this holiday season.
12 Reasons Your Budget Isn't Working
I'm a firm believer in budgeting, so when people tell me that it doesn't work for them, I have to prod to figure out why. Are you about to give up budgeting
12 Reasons Your Credit Card Application Was Denied
There are many possible reasons a credit card application could be denied. Your credit card application could be denied because of your credit or because of something that's not even on your credit report. Here are some possible explanations for your credit card application being denied.
12 Things That Aren't in Your Credit Score
Your credit score is widely used by banks and other businesses to approve applications you make. Your credit score is based on information in your credit report
12 Times You Should Contact Your Credit Card Issuer
Lost credit card and unauthorized charges are just two reasons to contact your credit card issuer. Learn when's the best time to contact your credit card issuer.
12 Times You Should Contact Your Credit Card Issuer
Lost credit card and unauthorized charges are just two reasons to contact your credit card issuer. Learn when's the best time to contact your credit card issuer.
13 States With Free and Discounted Credit Reports
Most credit reports costs a minimum of $10.50 depending on where you purchase from. That's more than $30 for three credit reports at a time. We're all
15 FDCPA Violations - What Debt Collectors Can't Do
The Fair Debt Collection Practices Act, FDCPA, dictates how debt collectors can act when collecting a debt from you. Find out what debt collectors can and cannot do.
15 FDCPA Violations - What Debt Collectors Can't Do
The Fair Debt Collection Practices Act, FDCPA, dictates how debt collectors can act when collecting a debt from you. Find out what debt collectors can and cannot do.
15 Things That Hurt Your Credit Score
Any of these things will hurt your credit score.
15 Things That Hurt Your Credit Score
Any of these things will hurt your credit score.
2007 Bankruptcy Filings - How Does Your State Rank?
The number of bankruptcy filings in 2007 increased 38% over 2006, according to the U.S. Courts. A total of 850,912 bankruptcies were filed in 2007 versus
2007 Credit Year In Review - What Happened With Credit in 2007
The subprime market meltdown was arguably the biggest market shaper of 2007. Take a look at what else happened with credit during 2007.
2009 Worst Credit Industry Changes
This was a year of interest rate hikes, credit limit cuts, and minimum payment increases. Take a look at the worst credit card moves of this year.
2011 Ultimate Holiday Rewards From Chase
2011 Ultimate Holiday Rewards From Chase
3 Places to Order a Free Credit Report Online
There are a few websites where you can order a free credit report online.
3 Reasons You Shouldn't Opt-Out of a Higher Interest Rate
Opting-out lets you decline the new rate and pay off your balance at the lower interest rate. There’s a catch though, many credit card issuers will close your credit card if you don’t accept the new rate. Think twice about opting-out in these situations.
3 Reasons to Go Into Debt and 5 Reasons Not To
Debt is a four-letter word that many people want to banish from their vocabularies and their lives. People have been known to commit suicide over their overwhelming debt, so how could there be good reasons to go into debt?
3 Ways a Loan Affects Your Credit
Taking out a loan can impact your credit score. Even applying for a loan can reduce your score. Learn how borrowing a loan affects your credit.
4 Credit Card Tricks That Cost
Make no mistake about it, the bank that issues your credit card is part of capitalistic America and aims to make money. Sure, the bank provides you with the
4 Ways To Rent With Bad Credit
4 Ways To Rent With Bad Credit
4 Ways To Rent With Bad Credit
These days, it seems like just about everyone is using credit, even prospective landlords. You and I know that just because you miss a few credit card payments
41 Million Credit and Debit Card Numbers Stolen
Eleven people were recently indicted on multiple charges of fraud and identity theft after stealing more than 41 million credit and debit card numbers,
5 Credit Cards You Should Never Close
Closing a credit card might seem like a solution for a problem with your creditor or the card itself. But closing the wrong card could hurt your credit score.
5 Habits to Change Before You Get out of Debt - Paying off Debt
Getting out of debt is not easy. If it were we'd all have our debts paid off. Fortunately,
5 Holiday Debt Suprises - Avoid Holiday Debt
Most people think of gift purchases and the single source of holiday debt, but gifts aren't the only things that can break your budget during the holiday season.
5 Reasons to Pay More Than the Minimum
Credit cards give you the convenience of paying just a small percentage of your balance each month. This minimum payment is easier to make, but can come at a higher cost. Here are a few reasons you should pay more than the minimum on your credit card.
5 Reasons to Pay Your Debt Collection
If you’re debating on whether you should pay a collection you owe, here are five reasons to pay off your debt collection.
5 Smart Ways to Spend Your Tax Refund
It's tax season and for many taxpayers that means a tax refund is due. If you know you're getting a refund, you've probably already started thinking about how
5 Stupid Ways to Pay Off Your Debt
If you use any of these
5 Things You Can Say to Get a Lower Interest Rate on Your Credit Card
If you want a lower rate on your credit card, but can't figure out how to ask for it, here are five things you can ask to ask for a lower interest rate.
5 Tips For Credit Card Beginners
Here are some tips to get you started with your first credit card.
5 Ways to Build Good Credit
Your credit history affects everything from buying a home to financing your education and even getting a job. Learn how to build a good credit history starting with your first credit card.
5 Ways to Deal With Past Due Accounts
As your account gets more delinquent, the letters and phone calls get more serious. If you have an account that’s currently past due, there are a few options for dealing with it.
5 Ways to Lower Your Debt Payments
If your debt looks like a mountain and your budget feels like a shovel,at least one of these, possibly two or three, will work in your favor and help you get those debt payments to a manageable level.
5 Ways to Reduce Your Debt
Paying off a high debt is no easy task, especially when you're money is already stretched to the limit. If it was possible to cut your debt payments by, say
5 Ways to Respond to a Credit Card Interest Rate Increase
When your interest rate increases, you’ll typically have an opt-out period allowing you to reject the interest rate change. There are some cases you might not want to close your credit card account because it will hurt your credit score. Here's what else you can do.
5 Ways to Stop Emotional Credit Card Spending
Emotional credit card spending happens because you’re seeking a thrill, not because you’re buying something you actually need. Learn how to stop emotional credit card spending and save yourself some debt.
51 Ways To Save Hundreds On Credit Cards And Loans
I'm sure there's not a single person who couldn't make use of a few hundred dollars. From the FDIC's consumer news report comes a list of 51 practical habits,
6 Drawbacks of New Credit Card Rules
The Federal Reserve approved new credit card rules that take great steps in protecting consumers from predatory practices from credit card issuers. Here are a few things the Feds missed out on.
6 Ways Finance Charges Are Calculated
Finance charges are applied to credit card balances that aren't paid before the grace period. Find out how your finance charge might be calculated.
66 Ways To Get Extra Money For Debt
The hardest part about getting out of debt is usually paying it off. Income and expenses put limitations on how much you're able to put toward your debt every
7 Best Credit Card Payoff Calculators
There are hundreds of credit card pay off calculators on the internet. Here is a list of the best.
7 Reasons It's So Hard to Get Out Of Debt
Paying off debt is not without challenges. If you’ve tried, or even thought about, getting out of debt, you’ve probably already realized how hard it is. Here are a few reasons that getting out of debt is so hard.
7 Reasons It's So Hard to Pay Off Debt
7 Reasons It's So Hard to Pay Off Debt
7 Reasons to Avoid Using Your Credit Card for Holiday Shopping
The holiday season is the biggest shopping season of the year. It's also the time when many consumers rack up most of their holiday credit card debt. Here are the top reasons you shouldn't use your credit card during the holidays.
7 Reasons to Pay on Time
The new credit card rules require your credit card bill to be due on the same date every month. This takes some guesswork out of when to send your payment.
7 Signs of Identity Theft - Recognize the Signs of Identity Theft
In 2009, 11.1 million adults were victims of identity theft, according to a study by Javelin Strategy & Research. Learn to recognize the signs of identity theft so you can respond quickly.
7 Smart Ways to Spend Your Tax Refund to Improve Credit and Reduce Debt
For many people, income tax time means income tax refund. Here are some smart ways you can improve your finances and reduce debt with your tax refund.
7 Steps to Getting Out of Debt
If you want to pay off your debt but you don't know where to get started, follow these seven steps to get out of debt.
7 Steps to Keep Your Credit Card Free
Credit cards are designed to be expensive, but you can use a credit card free if you take the right steps.
7 Steps to Keeping Your Credit Repair and Debt-Free Goals
Making goals to repair your credit and get out of debt is easy to do. But keeping them isn't always so easy. With the right approach, you can reach any goal, including your financial ones.
7 Things That Make a Rewards Credit Card Unrewarding
The purpose of having a rewards credit card is to get a tangible benefit from using your card. However, when your rewards card is costing you more than it's benefitting you, what's the point in keeping it around. Here are some things that make a rewards credit card unrewarding.
7 Times You Shouldn't Use Your Credit Card
Just because you have it, doesn't mean it's ok to use it. Here are seven times you shouldn't use your credit card.
7 Tricks Credit Cards Play So You Pay More
Credit card companies look for sneaky ways to charge you more money, while you’re stuck wondering what happened. Here are some of their dirtiest tricks.
7 Types of Loans
A loan is an amount of money that's given from one (the lender) to another person (the borrower) with an expectation of repayment. Loans are a type of debt. If
7 Types of Loans - What Are the Types of Loans
There are many different types of loans. When you're shopping for a loan, it's important to know the types of loans that are out there.
7 Ways to Avoid Credit Card Fraud
Credit card fraud can a be time consuming to get over. You can avoid credit card fraud by following steps to keep your credit card information safe.
7 Ways to Maintain a Good Credit Score
Once you make your way to a good credit score, keep it is important. Here are seven ways to maintain a good credit score.
7 Ways to Maintain a Good Credit Score
Getting a good credit score is only part of the journey. Keeping a good credit score is key to making sure you're always able to get the best interest rates and
7 Ways to Prepare Your Credit for a Mortgage Application
The credit crisis has made it more difficult to get approved for a mortgage loan. So it’s more important than ever to prepare your credit for a mortgage application. Cleaning up your credit report and increasing your credit score will improve your chances of getting approved. If your credit’s already good, maintaining it will be key in locking in a low interest rate.
7 Ways to Recognize a Credit Repair Scam - Credit Repair Organization Watch-Outs
Credit repair organizations are governed by a law known as the Credit Repair Organizations Act. This federal law requires any credit repair service to fulfill certain obligations to you. You should avoid any credit repair service that doesn’t follow these rules.
7 Ways to Spot a Credit Repair Scam
Credit repair scams are easy to come by, but hard to spot. Learn the signs of a credit repair scam.
8 Questions to Ask Before You Pay a Debt Collection
Debt collectors don't always follow the rules. Here's some information that will help you deal, or not deal, with collection agencies.
8 Tips To Avoid Holiday Debt
'Tis the season when many people shop 'til they drop for gifts for their family and friends. There are those who max their credit cards on holiday shopping and
8 Tips To Avoid Sinking Into Holiday Debt
The holidays are ripe for spending. ind out how to make it through the holiday season with as little debt as possible.
9 Reasons to Pay Off Debt
Many plans fail because there is no motivation behind them. If you’re stumped for debt payoff motivation, here are nine reasons to pay off debt.
9 Things That Boost Your Credit Score
If you don't like your current credit standing, check out this list of things that can boost your credit score.
90 Days Same as Cash - Not the Good Deal It Seems to Be
Many "buy here, pay here" types of businesses promote a 90 days same as cash deal to get you buy their products using their in-store financing options. Ninety days same as cash isn't what it sounds like. Find out why you should stay away.
: Credit Repair Reviews - Best and Worst Credit Repair Companies>
Read and review the best and worst credit repair companies in the industry.
A Balance Transfer Could Affect Your Credit Score
A balance transfer can come in handy when you want to pay a lower interest rate on your credit card balance. However, a balance transfer could affect your credit score. Here's how.
A Credit Card for Apple Lovers
A Credit Card for Apple Lovers
A Credit Crisis Survival Guide
As credit card issuers slash credit limits and hike interest rates, the credit crisis is on nearly every consumer's mind. Though creditors and lenders make it tough, it's possible to survive the credit crisis.
A Few Weeks Left to Get 9 Months of Free Credit Monitoring
Credit monitoring can be an expensive service. Some providers charge more than $100 a year for it. Well, you have the opportunity to get up to nine free months
A Maxed-Out Credit Card is Bad - 5 Reasons You Shouldn't Max Out Your Credit Card
Maxing out your credit card happens when your credit balance is very near, at, or above your credit limit. Here's why a maxed-out credit card is such a bad thing.
A New Law Could Grant Free Credit Scores But Not For Everyone
Last week, the Senate passed a financial reform bill including an amendment to grant free credit scores in cases of adverse action. That means you can get a
A Right and a Wrong Way To Use Credit
If you haven't figured it out yet, there's a right and a wrong way to use credit. Use credit the right way and you'll likely see your credit score improve,
A Secured Credit Helps Rebuild Bad Credit
If you have bad credit and find it hard to get approved for a credit card, learn how a secured credit card can help you re-establish your credit history.
A Simpler Credit Card Agreement
A Simpler Credit Card Agreement
AAA Member Rewards Visa Credit Card Review - Travel Rewards Credit Card
The AAA Member Rewards Visa Credit Card offers triple points on travel, double points on gas and grocery purchases and one point on all other purchases, without an annual fee.
AARP Visa Card Review - Cash Rewards Credit Card Review
The no-annual-fee AARP Visa Card from Chase gives you 3% back on travel purchases and 1% back on everything else, plus a 5% bonus on all spending the first six months.
About - Credit / Debt Management Buyer's Guide
Find Guide reviews, top picks, and advice you can use before you buy.
About Credit Card Rewards
About Credit Card Rewards
Account Current Status - What Does it Mean to Pay An Account Current
Bringing an account current means you’ve paid off your past due balance and the only payment you’re responsible making is your current minimum payment.
Account History on Your Credit Report
Credit reports aren't very easy to understand. This sample credit report will help you understand how to read a credit report.
Account Now Prepaid Gold Visa Card Review - Prepaid Card Reviews
The Account Now Prepaid Gold Visa Card has free direct deposit and free online billpay but charges high fees.
Account Summary on Credit Card Statement
The account summary is usually the first section on a credit card statement. It gives an overview of your credit card balance and payment information.
Ace Rewards Platinum Visa Card Review
You earn up to 5% back on purchases at the hardware retailer with the no-fee Ace Rewards Platinum Visa Card.
Add Waiters to the Growing List of Possible Identity Theives
Would you let a complete stranger walk off with your credit card as long as he promised to bring it right back? If you've ever used your credit card at a
Address Change Notification With Credit Card Billing Statement
Be sure to check the box on your payment coupon to indicate that your mailing address has changed.
Adjusted Balance Method - Adjusted Balance Finance Charge Calculation
The adjusted balance method of calculating your finance charge uses your previous balance less any payments and credits made during the billing cycle.
Adverse Action Notice Definition - What is Adverse Action Notice
Federal law requires you receive an adverse action notice whenever you have an application denied because of information in your credit report.
Alabama Statute of Limitations on Debt
The statute of limitations on debt in Alabama puts a time limit on the amount of time you can be sued for a debt.
Alaska Statute of Limitations on Debt
The statute of limitations on debt in Alaska limits the amount of time a consumer can be sued for a debt
All Debt Isn't Bad
For many people, debt is just another four-letter word they’d like to strike from their vocabularies. Afterall, like most other things that are bad for you,
Alternatives to Payday Loans - 15 Payday Loan Alternatives
Instead of taking out one of these high-cost, high-risk payday loans loans, look at some payday loan alternatives.
Alternatives to Payday Loans - 15 Payday Loan Alternatives
Instead of taking out one of these high-cost, high-risk payday loans loans, look at some payday loan alternatives.
Amazon.com Rewards Visa Card Review
The Amazon.com Rewards Visa Card from Chase lets you earn rewards on your purchases at the online retailer.
American Express Adds New Credit Card Fee
American Express cobranded hotel or airline credit card will be charged a fee to reinstate rewards lost because of a late payment. American Express recently
American Express Blue Sky Preferred Credit Card Review - Travel Rewards Credit Card Reviews
The American Express Blue Sky Preferred Credit Card offers statement credits on air travel. Are the rewards worth the $75 annual fee you pay on the Blue Sky Preferred Credit Card?
American Express PASS Prepaid Card Review - Prepaid Card Reviews
The American Express PASS Prepaid Card helps parents give spending money to their teenagers and monitor their spending.
American Express Platinum Card Review - Travel Rewards Credit Cards
The American Express Platinum Card is a charge card with a $450 annual fee that offers spending rewards and first class travel perks.
American Express Premier Rewards Gold Card Review - Travel Rewards Credit Card Reviews
The American Express Premier Rewards Gold Card pays triple miles on travel spending and double miles on gasoline and grocery spending. There is a $175 annual fee that is waived the first year.
American Express Prepaid Card review - Prepaid Card Reviews
The American Express Prepaid Card is one of the best values in the prepaid card market. It has practically no fees.
American Express e-Miles for Minutes Frequent Flier Program Review
The e-Miles program lets you earn additional miles and rewards on your American Express card.
American Express for AAA Prepaid Card Review
The American Express for AAA Prepaid Card can also be used as your AAA membership card and there's no credit check since it's a prepaid card.
Amex May Reduce Your Limit Because of Other Customers
As if
Analyzing Your Ratio - What Your Debt To Income Ratio Means
Your debt to income ratio indicates your level of debt. Learn how to calculate and analyze your debt to income ratio.
Annual Credit Report - How to Order Your Annual Credit Report
Federal law gives you the right to order a free annual credit report from each of the three credit bureaus. Learn the right way to order your annual credit report and avoid free credit report scams.
AnnualCreditReport.com, The One You Can Depend Upon
You know that free credit report the pirate sings to you about? It's not free if you don't cancel a subscription service within 7 days. There's a new credit
Applied Bank Gold Match Plus Visa Card Review
The Applied Bank Gold Match Plus Visa Card requires a security deposit to get a $300 unsecured credit limit. The card has very high fees and interest rates. Applied Bank has some of the worst credit cards on the market.
Applied Bank Gold Visa Card Review
The Applied Bank Gold Visa Card charges very high fees and APRs and grants very small credit limits. Applied Bank has some of the worst cards on the market.
Applied Bank Platinum Zero Secured Credit Card Review - Secured Credit Card Review
The Applied Bank Platinum Zero Secured Credit Card says it charges no interest on purchases but charges lot of other fees that will cost you a lot of money.
Applied Bank Secured Visa Card Credit Card Review - Secured Credit Card Review
The Applied Bank Secured Visa Card has a low interest rate and doesn't do a credit check but it has high fees and very low credit limits.
Are Costly Cash Advances Wise?
The speedometer on my car goes up to 160 miles per hour. But just because my car can physically go 160 mph, doesn't mean I should ever drive that speed. Cars
Are Credit Problems To Blame For Plummeting Stocks?
If you tuned in to any news source yesterday, you heard about the Dow's 387 drop. Well, it dropped another 133 points this morning, according to Associated
Are Credit Report Errors As Rare as the New Study Says?
A recent study by the Policy and Economic Research Council revealed that less than 1% of credit report disputes result in an credit score increase of more than
Are Paperless Billing Statements Better?
I signed up for paperless billing statements from one of my credit card issuers once, but I had to turn it off because I kept forgetting to pay the bill.
Are Some Creditors Trying to Hide the True Cost of Credit?
Credit card issuers are now required to include credit card repayment time and cost on the front of your billing statement, but they may be trying to skirt that
Are There Debts Without a Statute of Limitations
Certain types of debt do not fall under the statute of limitations rules. A court can force you to pay these debts at anytime no matter how long the debt has been inactive.
Are You Keeping Your New Year's Resolution?
January is almost over and we're well into the new year. Did you make a resolution to improve your credit or reduce your debt this year? If you're still
Are You Paying Too Much for Credit?
Annual fees, late fees, and finance charges make having a credit card needlessly expensive. Fortunately, there are ways to reduce and even eliminate these fees
Are you smarter about credit cards than a 5th grader?
Are you smarter about credit cards than a 5th grader?
Are you smarter about credit cards than a 5th grader?
I don't know about you, but I've read enough about foreclosures, loan delinquencies, and bank failures for one week. How about something funny, but still
Arizona Statute of Limitations on Debt - What's the Statute of Limitations in Arizona
The Arizona statute of limitations on debt limits the time you can be sued for a debt.
Arkansas Statute of Limitations on Debt - The Statute of Limitations in Arkansas
The Arkansas statute of limitations on debt limits the amount of time you can be sued for a debt.
Asset Acceptance's New Required "We Will Not Sue" Disclosure
Asset Acceptance's New Required
Authorized User Definition - What is a Credit Card Authorized User
A credit card authorized user is someone who is able to make purchases on a credit card, but isn't legally liable for the credit card balance.
Auto Rewards Credit Card Reviews
Get unbiased reviews of the auto rewards credit cards on the market. Decide if an auto rewards card really helps you buy a new car.
Aventium Gold MasterCard Review
The Aventium Gold MasterCard from First Premier Bank is one of the worst credit cards on the market with a 60% APR, $75 annual fee, and just $300 credit limit. Applicants beware of the Centennial Gold MasterCard and First Premier Bank.
Average Daily Balance Formula - What is the Average Daily Balance Formula
The average daily balance formula first averages your credit card balance each day of your billing cycle, then multiplies by your APR to come up with the finance charge.
Avoid Bankruptcy - How to Avoid Filing Bankruptcy
It's no secret that filing bankruptcy is a detriment to your credit. If you're thinking about filing bankruptcy, first consider these options that will allow you to avoid bankruptcy.
Avoid Big Credit Repair Mistakes
Avoid Big Credit Repair Mistakes
Avoid Credit Card Fees - 5 Ways to Avoid Over the Limit Fees
Extra fees and interest rate hikes make going over your credit limit costly. Not to mention the damage that's done to your credit score. Find out how to avoid the penalties of exceeding your credit limit.
Avoid Embarrassing Credit Card Declines
Actress Mischa Barton (from The O.C.) made headlines this week for having not one, but two of her credit cards declined at the register. Her friend ended up
Avoid Finance Charges - How to Avoid a Finance Charge
A finance charge is the fee you pay for carrying a balance on your credit card. Learn how you can avoid paying credit card finance charges.
Avoid Paying Interest - How to Avoid Paying Interest
There are generally two ways to avoid paying interest on your credit card. You can avoid paying interest if you pay the balance in full at the end of the month or if you have a zero percent interest rate promotion.
Avoid Student Loan Default - How to Avoid Student Loan Default
Student loan default is one of the worst things for your credit. Find out how you can avoid student loan default and protect your credit score.
Avoiding Debt
Using credit wisely is the best way to avoid debt. Learn the right way to use credit to stay out of debt and incorporate wise habits into your spending routine.
BB&T MoneyAccount Card Review - Prepaid Credit Card Reviews
The BB&T MoneyAccount Card is a prepaid card that lets you get a Visa card without a credit check. There is a $10 monthly fee that is reduced to $5 if you load more than $1,000 to the card each month.
BJ’s Visa Card Credit Card Review - Rewards Credit Card Review
The BJ’s Visa Card pays high rewards on purchases at BJ's Club stores redeemable for merchandise at the warehouse stores.
BMW Platinum Visa Card Review - Vehicle Rewards Credit Card
The BMW Platinum Visa Card lets you earn points toward a loan or lease on a new BMW vehicle or to pay for service, parts and accessories at BMW dealerships.
BP Visa Card Review - Gas Rewards Credit Card
The BP Visa Card pays a five percent cash-back reward on gasoline purchases at BP and Amoco stations and generous rewards on other spending. There is no annual fee and a relatively low APR if you have good credit.
Bad Credit - 15 Reasons You Put Off Credit Repair
You know the effects of having bad credit, yet you still haven’t started your credit repair. Why? Well, here are 15 reasons you’ve been putting off credit repair.
Bad Credit - 15 Reasons You Put Off Credit Repair
You know the effects of having bad credit, yet you still haven’t started your credit repair. Why? Well, here are 15 reasons you’ve been putting off credit repair.
Bad Credit - 5 Reasons Bad Credit May Be Good
Living with bad credit is uncomfortable to say the least, but there could be a silver lining. There are some good things about having bad credit.
Bad Credit - What is Bad Credit?
Bad credit describes a past failure to keep up with your credit agreements and the inability to get approved for new credit.
Bad Credit Cards for People With Bad Credit
Stay away from predatory credit cards that target people with bad credit.
Bad Credit Is The Biggest Risk To The Economy
The National Association of Business Economy once viewed terrorism as the biggest short-term threat to our economy. Now, it's bad credit. Not gas prices, not
Bad Credit Loans - Look Out for Bad Credit Loan Scams
You may be tempted to sign up for an attractive bad credit loan but many of these bad credit loans are scams and can leave you out of hundreds, even thousands of dollars in "fees."
Bad Credit Repair - 10 Credit Repair Mistakes
If you’re thinking about repairing your credit, or even if you’re going through the process now, there are some things you shouldn’t do. Here are 10 credit repair mistakes you want to avoid.
Bad Credit Repair - 10 Signs You Need Bad Credit Repair
If you have bad credit, you might question whether you need bad credit repair. Here's a list of signs you need bad credit repair.
Bad Credit Score? Blame Your Email Address
Bad Credit Score? Blame Your Email Address
Bad Credit, Bad Driver - How Your Credit Score Influences Your Insurance Rate
Insurance companies use an insurance credit score to price your insurance premiums. Having a bad credit score will make your insurance rates rise.
Balance Transfer Credit Card Reviews
The best feature of a balance transfer credit card is a long, low introductory interest rate and a low post-promotion balance transfer rate. Reading through balance transfer credit card reviews will help you find the best balance transfer card with ease.
Balance Transfer Credit Cards - How To Choose A Balance Transfer Credit Card
Don't be roped in by advertisements for zero percent introductory rates. Read between the lines and ask questions to make sure you're choosing the right balance transfer credit card.
Balance Transfer Fee Definition - What is a Balance Transfer Fee
A balance transfer fee is charged when you make a balance transfer, moving the balance from one credit card to another credit card. The amount of the balance transfer fee is usually based on the balance transferred.
Balance Transfers Could Hurt Your Credit Score
If you're like many credit card users, you might be tempted to take a balance transfer offer to get a lower interest rate. However, the interest savings from a
Bank Levy Definition - What is a Bank Levy
A bank levy happens as the result of a court order. In a bank levy, the creditor is allowed to take money from your bank account to satisfy a debt.
Bank of America Accelerated Cash Rewards - American Express Card Review
The Bank of America Accelerated Cash Rewards American Express Card pays a cash rebate on spending and bonus statement credits.
Bank of America Cash Rewards Visa Card Review - Cash-back Credit Card Reviews
The Bank of America Cash Rewards Visa Card pays 1% cash back on purchases. Find out how you can earn a $50 bonus.
Bank of America Explains Their Credit Card Terms
According to Washington Post, Bank of America is sending cardholders letters detailing their credit card terms. The letter will explain some of the most costly
Bank of America Power Rewards Visa Card Review - Rewards Credit Card Reviews
The Bank of America Power Rewards Visa Card rewards you in points good towards cash, merchandise, gift cards and travel.
Bank of America Raises Credit Card Interest Rates
If you have a Bank of America credit card, you may have recently received notification of an interest rate increase. Unfortunately, you're now one of millions
Bank of America Student Platinum Plus Visa Card Credit Card Review - Student Credit Card Reviews
The Bank of America Student Platinum Plus Visa Card is a no-frills credit card aimed at students. Students who qualify will get a low interest rate and no annual fee.
BankAmericard Visa Fully Secured Card Credit Card Review - Secured Credit Card Review
The BankAmericard Visa Fully Secured Card has a high interest rate and a high annual fee. This secured credit card offers credit limits between $300 to $10,000.
Bankrate: 7 Deadly Sins That Lead to Debt
Playing on Dante's
Bankruptcies Expected to Top 1 Million This Year
CNN Money reports a significant increase in bankruptcies in February - the highest filed since the bankruptcy reform in 2005. Experts are predicting the number
Bankruptcies Increased in 2007
CNN Money reports an increase in bankruptcies in 2007. The number of Americans filing for consumer bankruptcy increased by nearly 40 percent in 2007,
Bankruptcy Automatic Stay - What is an Automatic Stay
The automatic stay goes into effect when you file bankruptcy and prevents creditors and collectors from trying to collect from you.
Bankruptcy Can Sqaush Your Small Business Dream
A Business Week reader wants to know if she will be able to get a small business loan if she files for bankruptcy. Maybe, but it will be hard. Karen E. Klien,
Bankruptcy Credit Report - How Long Does Bankruptcy Stay on My Credit Report
Per the FCRA, bankruptcy can stay on your credit report longer than most negative credit report information.
Bankruptcy Discharge Definition - What is Bankruptcy Discharge
A bankruptcy discharge is a court order issued at the end of a Chapter 7 or Chapter 13 case that relieves you from your obligation to pay a debt.
Bankruptcy Exempt Assets - Exempt Assets Definition
In bankruptcy, exempt assets are the ones the court can't seize and sell to pay off your debts. Exempt assets are defined by state and federal law.
Bankruptcy Filing Cost - How Much Does it Cost to File Bankruptcy
The amount it costs to file bankruptcy depends on which type of bankruptcy you file. You'll pay bankruptcy filling fees in addition to attorney fees and fees to file certain types of motions.
Bankruptcy Non Exempt Assets Definition - What are Non-Exempt Assets
In bankruptcy, non-exempt assets are those assets that can be seized by the court and used to pay off your debts. Non-exempt assets are defined by federal and state law.
Bankruptcy Statistics - 2007 Bankruptcy Filings by State
Bankruptcy filings for 2007 ranked by state. Find out bankruptcy statistics for your state.
Bankruptcy Stories - Why I Filed Bankruptcy
Have you filed bankruptcy? Share your story with others. How did your debt happen? When did you know it was time to file bankruptcy?
Bankruptcy Was Last the Option - Reader Stories: Why Did You File Bankruptcy? Share Your Bankruptcy Story
I filed Chapter 7 bankruptcy after a vehicle repossession left me with a $10,000 debt while I was in college.
Banks are Cutting Credit Card Limits
Consumers continue to pay late on their credit cards and a few of the large banks are fighting back. Washington Mutual and Wells Fargo recently cut credit
Barack Obama Proposes Bankruptcy Law Changes
In a speech to nearly 3,000 people in Powder Springs, Georgia, Democratic presidential candidate Barack Obama promised to reform bankruptcy law to make it
Barnes & Noble MasterCard Review
The Barnes & Noble MasterCard lets you earn rewards on your purchases at the bookstore, plus a $25 gift card after your first transaction.
Basic Credit Card Features - Explanation Of Credit Card Features
Explanation of the most common features of a credit card including types of credit cards, interest rate, grace period, fees, and finance charge.
Be More Cautious With Online Credit Card Shopping
Using your credit card to shop online can be riskier than when you use it in person. That's because it's easier for credit card thieves to create fake websites
Before All Else Fails Get a Secured Credit Card
People tend to stay away from secured credit cards for a few reasons. They don't want to put cash collateral toward a credit card. They don't want anyone
Being Thankful For Credit
They say you never miss a good thing until it's gone. Anyone who's ever dealt with bad credit can attest to the ease that credit provides. Creditors might
Benefits of a Good Credit Score
Good credit is one of the best things that can happen to your finances. Learn the benefits of having a good credit score.
Best Balance Transfer Credit Cards - Balance Transfer Credit Card Reviews
The best balance transfer cards come from Citigroup, Simmons First National Bank, Navy Federal Credit Union, Capital One and USAA. These best balance transfer credit cards are the lowest-priced of all balance transfer credit cards.
Best Banks for ID Theft
Javelin Strategy and Research recently awarded these banks as best in class for dealing with credit card identity theft: Best at Prevention: U.S. Bank
Best Buy Reward Zone MasterCard Review - Retail Rewards Credit Card Review
The Best Buy Reward Zone MasterCard lets you earn 4% back on purchases at the electronics retailer with no annual fee. You also earn 2% back on dining and groceries.
Best Cards With Cashback Bonuses
Best Cards With Cashback Bonuses
Best Cashback Rewards Cards - Best Credit Cards for Cash Back
The best cashback rewards credit cards come from Bank of America, American Express, Pentagon Federal Credit Union, Capital One and Chase. These best cashback rewards credit cards have generous rewards programs and carry no annual fees.
Best Cashback Rewards Credit Cards
When it comes to rewards credit cards, I'll take cash over points any day. If you're looking for your own cash back rewards card, you might have a hard time
Best Credit Card Habits
Good credit card habits mean you minimize credit card cost, keep your card in good standing, and improve your credit score. Get details on the best credit card habits.
Best Credit Cards for Buying Gas
Don't you hate when you put off filling up your gas tank then wake up the next day and gas prices have jumped 10 cents or more. Meanwhile, you only have a
Best Credit Cards for Holiday Shopping
Credit cards from Bank of America, Chase Bank, Walmart, Discover, Target and Citigroup offer bonus rewards on purchases through the end of 2010.
Best Credit Cards for Rebuilding Bad Credit
It's tough getting a new credit card when you have bad credit. Many credit card issuers won't approve your credit card application because of your negative
Best Credit Cards for a Destination Vacation
Best Credit Cards for a Destination Vacation
Best Credit and Debt Articles of 2008
The new year is here and well underway. Before we got too far into the year, I thought I'd share a few of the top Credit and Debt Management articles of 2008.
Best Hilton HHonors Rewards Credit Cards - Hotel Rewards Credit Cards
American Express and Citigroup both offer rewards credit cards that let you earn points toward free stays at Hilton hotels.
Best Hotel Rewards Credit Cards
The Hyatt Credit Card, the Hilton HHonors Surpass American Express Card and the Marriott Rewards Premier Credit Card are the three best hotel rewards credit cards. They let you earn free hotel stays with reasonable annual fees.