Credit / Debt Management Sitemap - Page 4
Credit Card Rights - Your Rights With Credit Cards
Several laws exist that protect the rights of consumers with credit cards. Become familiar with your credit card rights. You never know when you’ll need to remind a credit card company to follow the law.
Credit Card Scam Warning
As long as there are credit cards, there will always be attempts at credit card fraud. The last thing anyone wants is to be the victim of credit card fraud.
Credit Card Scams - Credit Card Shaving - Identity Theft
Credit card shaving involves a thief shaving the credit card number from a pre-paid credit card and replacing it with a stolen credit card number.
Credit Card Settlement Scam - Class Action Lawsuit Scam
In this scam, callers receive a phone call or email about a class-action settlement. The caller is alerted that a fee is required to receive their portion of the settlement.
Credit Card Skimming - What is Credit Card Skimming
Credit card skimming is a type of credit card fraud that can be difficult to detect until fraudulent charges have been made. Learn how to avoid credit card skimming.
Credit Card Statement Credit Counseling Notice
Credit card issuers are required to include a credit counseling notice on your billing statement. This notice lets you know what steps to take if you have trouble making your credit card payment.
Credit Card Statement Reward Summary
Refer to your credit card statement for a glimpse at your current rewards standing.
Credit Card Telephone Scam
Thieves use credit card telephone scams to trick you into giving out your personal information. Learn to recognize and avoid credit card telephone scams.
Credit Card Thieves Donating To Charities
According to Newsday.com, some credit card thieves are using the credit cards to donate to charities. But, their intentions aren't so pure. The real reason
Credit Card Transactions and Purchases
Using a credit card involves a variety of transactions and purchases. Get details on types of transactions and the best way to make purchases.
Credit Card Transactions on Billing Statement
Transactions from your most recent billing cycle will be listed on your credit card statement. Review the transactions to be sure that they're accurate.
Credit Card Urban Legends Quiz
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Credit Card Urban Legends Quiz Results - About Credit/Debt Management
Thanks for taking our quiz about credit card urban legends.
Credit Cardholder's Bill of Rights Act of 2009 - H.R. 627
The Credit Cardholder's Bill of Rights Act of 2009 will ban numerous predatory practices in the credit card industry.
Credit Cardholder's Bill of Rights Passed in House
The Credit Cardhlder's Bill of Rights is one step closer to becoming a reality. The act passed in the House today with a vote of 312 to 119. If passed, the
Credit Cards - Dos And Don'ts Of Using Credit Cards Wisely
Guidelines for using credit cards the right way. Learn the way to use - and not to use - your credit card.
Credit Cards - How To Use Them Responsibly
Credit Cards - How To Use Them Responsibly
Credit Cards - When Your Credit Card Is Lost Or Stolen
Missing credit cards should be reported as quickly as possible to reduce your liability. Find out what steps you should take when your credidt card has been lost or stolen.
Credit Cards For Rebuilding Credit - Find Credit Cards Based On Your Credit Score
Score Match lists credit cards based on your credit score.
Credit Cards Mailing Fewer Offers
Good news for many of you... You might be seeing fewer unsolicited credit card offers in the mail. According to Associated Press, financial services are
Credit Cards for Book Lovers
Credit Cards for Book Lovers
Credit Cards for Rebuilding Bad Credit
Finding the right credit cards for rebuilding bad credit is key to improving your credit score.
Credit Cards for Those Without A Social Security Number
Earlier this month, Bank of America announced that it will be offering credit cards to applicants that do not have social security numbers. Although the
Credit Cards: Use 'Em or Lose 'Em
Yet another side effect of the credit crunch - credit card issuers are closing credit cards that haven't been used. If you have some credit cards in your
Credit Checks - 5 Ways to Prepare for a Credit Check
Many businesses do a credit check when you make an application. You can prepare for a credit check by doing a few important things.
Credit Checks Required for Volunteer Work
Just when you thought no one else needed access to your credit score, some non-profit organizations have decided they need to check credit before they let you
Credit Counseling Debt Management Plan -DMP - What is a Debt Management Plan
A debt management plan or DMP is a formal plan to repay your creditors created by consumer credit counseling agency.
Credit Crunch Definition - What is a Credit Crunch
a period of time when credit has suddenly become costly or difficult to obtain, usually both
Credit Inquiries And Your Credit Score
Not all credit report inquiries have an effect on your credit score. Learn the different inquiries and what they mean for your credit.
Credit Inquiry - What is a Credit Report Inquiry
A credit inquiry is an entry on a credit report that shows a business has requested a copy of the report.
Credit Limit Increase Fee - What is a Credit Limit Increase Fee
A credit limit increase fee is charged by some credit card issuers when you request a credit limit increase.
Credit Limits May Decrease Following Subprime Credit Crunch
The ripples from the subprime mortgage fiasco have not stopped spreading. Credit card delinquencies are rising and credit card issuers are taking action to
Credit Management - An Overview Of Consumer Credit Counseling
Consumer credit counseling is a viable option for managing your debt. Learn more about consumer credit counselong to determine if will work for you.
Credit Monitoring Reviews
Many credit monitoring products are on the market with varying features. Get a breakdown of the features of credit monitoring services before you choose.
Credit Monitoring and Identity Theft - Will Credit Monitoring Prevent Identity Theft?
The rise of identity theft has also sparked interest in credit monitoring services. Credit monitoring aids in early detection of identity theft, allowing you to quickly respond to suspicious changes in your credit.
Credit One Bank Visa Platinum Card Review
The Credit One Bank Visa Platinum Card charges high fees and high interest rates. It is aimed at people with poor credit or limited credit history.
Credit Repair
The effects from damaged credit can be far reaching. When it comes to credit repair it's hard to know where to go or how to start. Here you’ll find the information you need to start mending the blemishes in your credit.
Credit Repair Checklist - How to Fix a Bad Credit Report
The specific steps to credit repair depends on what's on your credit report. Here are some of the most common credit blemishes and information on fixing them.
Credit Repair Organizations Act - An Overview of the Credit Repair Law
The Credit Repair Organization Act was put in place to protect consumers from unscrupulous practices by organizations who claim to repair credit. The Act seeks to ensure that consumers who decide to use credit repair services are aware of their rights and are able to make an informed decision about choosing to pay a credit repair company.
Credit Repair Reviews - Best and Worst Credit Repair Companies
Read and review the best and worst credit repair companies in the industry.
Credit Repair Service Requesting Upfront Cash? Walk Away
Credit repair advertisements are everywhere these days. On television, on the radio, on the side of the road. Credit repair companies are working harder than
Credit Repair Success Story
Have you turned bad credit into great credit? Tell us how you did it.
Credit Repair Tips
Keep these credit repair tips in mind as you work your way to a better credit score.
Credit Repair Tips - 15 Reasons You Should Repair Bad Credit
You can almost make without having good credit, so why should you spend anytime on credit repair? Here are 15 reasons you should repair your credit.
Credit Repair Tips - 15 Reasons You Should Repair Bad Credit
You can almost make without having good credit, so why should you spend anytime on credit repair? Here are 15 reasons you should repair your credit.
Credit Report - 6 People Who Check Your Credit Report
Your credit report is used by many businesses to make a decision whether to approve you for certain products and services. These are some businesses that might check your credit report.
Credit Report Definition
If you've ever had a credit account or even a debt collection, you probably have a credit report with at least one credit bureau.
Credit Report Dispute Process - What Happens When You Submit a Credit Report Dispute
The Fair Credit Reporting Act (FCRA) gives consumers the right to dispute errors on their credit report. Once you submit your dispute the credit bureau has certain steps to follow.
Credit Report FAQ - Do I have to pay a charge-off
When your credit card balanced gets charged-off, are you still responsible for paying it? The answer is yes.
Credit Report FAQ - How can I contact the credit bureaus
Contact information for the three major credit bureaus.
Credit Report FAQ - How can I fix mistakes on my credit report
How can I remove inaccurate information from my credit report? Dispute it with the credit bureaus.
Credit Report FAQ - How can I get a free credit report
Can you get a free credit report? Yes. Find out how.
Credit Report FAQ - What does my credit report have to do with my credit score
You have a credit report and your credit score, most of which lenders look at and use. What does one have to do with the other?
Credit Report FAQ - What information is included in my credit report
Find out what is included in your credit report.
Credit Report Free - Six Ways to Get Your Credit Report Free
Learn six ways you can get your credit report free, without having to pay for it.
Credit Report Inquiries
Two types of credit report inquiries show up on the credit reports that you pull. Only one type of credit inquiry appears on your creditors version of your credit report.
Credit Report Inquiries - How Long Do Inquiries Stay on My Credit Report?
Credit report inquiries appear on your credit report to show who's checked your credit. These inquiries can affect your credit score so it's good to know how long they stay on your credit report.
Credit Report Inquiries Section
Credit reports aren't very easy to understand. This sample credit report will help you understand how to read a credit report.
Credit Report Payment History
Monthly payment history for the past two years shows on your credit report. Other remarks about your credit history could date back to your account opening.
Credit Report Public Record Definition - What is a Public Record
Part of your credit report lists public records. These entries have the worst effect on your credit score.
Credit Report Public Records
Credit reports aren't very easy to understand. This sample credit report will help you understand how to read a credit report.
Credit Report Public Records
Credit report public records are delinquencies that are also on record with your court.
Credit Report Rights
Credit Report Rights
Credit Report Security Freeze Can Protect Your Identity
Identity theft is something you never want to deal with. It can seem like forever trying to clear your name once someone has opened accounts with your
Credit Report and Credit Score Overview
Your credit history is compiled in a single credit report and used to calculate your credit score. Learn your credit report and score affect you as a consumer.
Credit Report and Scoring
Want to know how creditors decide whether or not to approve your credit card application? Credit Report & Scoring explains your credit report and score, how they are maintained, and how you can obtain them both. Here, you’ll also learn how to fix errors in your credit report and improve your credit score.
Credit Reporting Exceptions for California and New York
The credit reporting time limit is 7 years for most negative credit report information. However, in California and New York there are specific exceptions for
Credit Score Basics
Learn more about your credit score, the three-digit number that banks and other businesses use to make important decisions about you.
Credit Score Definition - What is a Credit Score
Your credit score is a numerical summary of the information contained in your credit report.
Credit Score FAQ - Frequently Asked Questions About Credit Scores
Answers to frequently asked questions about credit scores like how to improve your credit score, how your credit score is calculated, and what things hurt your credit score.
Credit Score FAQ - How is my credit score calculated?
Your credit score is calculated using five pieces of information: payment history, amount of debt, age of credit, mix of credit, and credit inquiries.
Credit Score FAQ - What is a FICO score?
The FICO score is a branded credit score developed by Fair Isaac Corporation.
Credit Score Factors
Learn how the five major credit score factors translate into your day-to-day credit and non-credit transactions.
Credit Score Quiz
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Credit Score Quiz Results - About Credit/Debt Management
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Credit Score Showdown: FICO vs. VantageScore
Most people know about FICO scores, but the VantageScore may sound foreign to you. Both scores do the same thing - measure your creditworthiness - but there are
Credit Score Updates - How Often Does My Credit Score Change
Your credit score could change as often as daily depending on how often your information providers are updating your credit report.
Credit Scores - Why You Have Different Credit Scores
Find out why you may have a different credit score at each credit bureau.
Credit Scores: FICO Score vs FAKO Scores
There are a lot of different credit scores out there - the FICO score and several others. Learn which why you have different scores and find out which matters the most.
Credit Summary Section 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.
Credit Union Credit Cards Are Better
If you're looking for a good credit card deal, try your credit union. A recent study shows credit cards offered by credit unions have lower interest rates and
Credit and Debt Glossary
Learn the key terms involved with credit and debt management. This glossary contains definitions and miniature lessons on the basic and advanced aspects of credit and debt management.
Credit and Debt News Roundup 5/27/09
I don't typically do link roundups, but there were a few pieces of interesting credit card news that I wanted you to read. A less-discussed part of the new
Credit and Debt News Roundup 6/24/09
For your education and enjoyment...the latest credit and debt news. With one slash, credit card companies ruin the good credit you've worked on for years.
Credit and Debt News Roundup 6/9/09
While the new credit card laws may have seemed like a much-needed rescue for consumers, they may not be so good after all. Credit card companies are getting
Credit and Debt News Roundup 7/6/09
For your education and enjoyment, here is the latest credit and debt news. What people tweet about credit: 24 hours of credit card tweets. CreditCards.com
Credit and Debt in the New Year
Get tips on how to fix your credit and get out of debt in the new year. Find out how to meet your Credit and Debt New Year Resolutions
Credit and Debt on TV - Maxed Out on the Style Network - Debt Reduction Resources
Allison Griffiths helps couples recover from financial disasters including overspent budgets and overwhelming debt.
Credit and Debt on TV - The Suze Orman Show on CNBC - Credit and Debt Resources
The Suze Orman Show focuses on financial freedom for watchers. Watch each week as the financial guru gives financial - including credit and debt - advice.
Credit.com Credit Report Card Review - Review of the Credit Report Card
Credit.com launches a free credit report card that grades consumers on their credit report. The interactive tool helps consumers understand just where their credit report stands.
Credit.com's Credit Report Card
Looking for a way to better understand the information in your credit report? Credit.com recently launched a
Credit/Debt 2012 New Year's Resolutions
Most New Year's resolutions involve improving health or getting rid of a bad habit. Don't forget about improving your financial health and getting rid of your bad credit habits in the new year.
Credit/Debt Management Glossary - Bankruptcy Definition - What Is Bankruptcy
a legal process in which a debtor asks the court for relief from its creditors and lenders
Credit/Debt Management Glossary - Credit Utilization Definition - What Is Credit Utilization
the amount of credit purchasing power you have, accounts for 30% of your credit score.
Credit/Debt Management Glossary - Index of A, B, C Terms In Credit/Debt Management
Learn the key terms involved with credit and debt management. This glossary contains definitions and miniature lessons on the basic and advanced aspects of credit and debt management.
Credit/Debt Management Glossary - Index of D, E, F Terms In Credit/Debt Management
Learn the key terms involved with credit and debt management. This glossary contains definitions and miniature lessons on the basic and advanced aspects of credit and debt management.
Credit/Debt Management Glossary - Index of G, H, I, J Terms In Credit/Debt Management
Learn the key terms involved with credit and debt management. This glossary contains definitions and miniature lessons on the basic and advanced aspects of credit and debt management.
Credit/Debt Management Glossary - Index of K, L, M, N Terms In Credit/Debt Management
Learn the key terms involved with credit and debt management. This glossary contains definitions and miniature lessons on the basic and advanced aspects of credit and debt management.
Credit/Debt Management Glossary - Index of O, P, Q, R Terms In Credit/Debt Management
Learn the key terms involved with credit and debt management. This glossary contains definitions and miniature lessons on the basic and advanced aspects of credit and debt management.
Credit/Debt Management Glossary - Index of S, T, U, V Terms In Credit/Debt Management
Learn the key terms involved with credit and debt management. This glossary contains definitions and miniature lessons on the basic and advanced aspects of credit and debt management.
Credit/Debt Management Glossary - Index of W, X, Y, Z Terms In Credit/Debt Management
Learn the key terms involved with credit and debt management. This glossary contains definitions and miniature lessons on the basic and advanced aspects of credit and debt management.
Credit/Debt Management Glossary - Judgment Definition - What Is A Judgment
a court order to pay a certain amount of money to someone who has filed a lawsuit against you
Credit/Debt Management Glossary - Statute of Limitations - What is the Statute of Limitations
the amount of time a creditor or third-party debt collector can sue you for a debt
Credit/Debt Management Glossary - Subprime Borrower Definition
a segment of borrowers that do not qualify for market interest rates because of bad credit history
Credit/Debt New Year's Resolutions
Credit/Debt New Year's Resolutions
Credit/Debt New Year's Resolutions
Credit/Debt New Year's Resolutions
Credit/Debt News Roundup 8/23/09
Debt collectors threaten to take away a woman's kids if she doesn't pay a bill that isn't hers. CNN How to get new credit card. New York Times Chase
Credit/Debt News Roundup 8/29/09
American Express begins charging inactivity fees on UK cardholders' dormant credit cards. Guardian.co.uk Credit card delinquency rates are dropping (11%
CreditLoan.com Infographic Reveals the Truth About Free Credit Reports
Many of the hundreds, maybe thousands, of free credit report websites out there are owned by a few companies. In fact, Consumer Reports reviewed 24 free credit
Creditors Sending 1099-C Forms for Old Debts
Creditors Sending 1099-C Forms for Old Debts
Currency Conversion Fee Settlement - Is CCF Settlement a Scam
In late 2007, many consumers received letters that they were entitled to part of a settlement resulting from a lawsuit. Is the CCF Settlement a scam?
Daily Balance Finance Charge Calculation Method
The daily balance method of calculating finance charges uses the actual balance each day in the billing cycle.
Danversbank Secured Visa Card Review - Secured Credit Card Reviews
The Danversbank Secured Visa Card has a $35 annual fee and a high APR, but doesn't accept applicants with a previous bankruptcy. Check out a full review of the Danversbank Secured Visa.
Dateline Covers Debt Collectors This Friday
You may recognize Dateline's Chris Hansen as the guy who catches guys who use instant messenger to prey on young teens. This Friday, Hansen targets a different
Dealing With Debt During Divorce
How you handle debt during your divorce will affect the rest of your life. Don't gloss over this important debt issue.
Dealing With a Credit Limit Cut
When your credit card issuer cuts your credit limit, it puts your credit score in jeopardy. Find out how you can respond to a credit limit cut.
Debt Collection
Annoyed by debt collectors? Even though you may owe money, you still have rights as a consumer. Exercise these rights and protect yourself by learning which debt collection practices are fair and which ones are not.
Debt Collection - Reporting FDCPA Violations
The Fair Debt Collection Practices Act has strict guidelines about what debt collectors can and cannot do. As a consumer, it’s important that you’re aware of these guidelines, even if you don’t have any accounts that are currently in collections.
Debt Collection - When Can Debt Collectors Call - FDCPA
Debt collectors seem to call at the most inconvenient times, don't they? What times are debt collectors really allowed to call you?
Debt Collection Agency Definition - What is a Debt Collection Agency
A debt collection agency is a business that collects unpaid, past due debts from other businesses.
Debt Collection Frequently Asked Questions - Debt Collection FAQs
Frequently asked questions about debt collection
Debt Collector Calls on Your Cell Phone
Debt Collector Calls on Your Cell Phone
Debt Collector Calls on Your Cell Phone
No one wants to be contacted by a debt collectors, especially not on your cell phone while you're caught in evening traffic. But, debt collectors can legally
Debt Collector Calls to Your Employer
Debt Collector Calls to Your Employer
Debt Collector Contact After the Statute of Limitations
The statute of limitations can help if you have to go to court over a debt, but it doesn't impact other collection efforts.
Debt Collector Fined $2.25 Million for Harassing Consumers
With your help debt collectors will not get away with threatening and harassing consumers. In the largest civil penalty to date against a debt collector, the
Debt Collector Mini Miranda Definition - What is the Mini Miranda
The mini Miranda is a statement debt collectors are required to use when they contact you about a debt. Mini Miranda isn't the official name of this section of the Fair Debt Collection Practices Act.
Debt Collectors Actually Have Rules to Follow
They may not act like it when they call you, but debt collectors have rules that must be followed when they contact you about a debt. For example, the
Debt Collectors After Lunch Money
One Georgia school system hired debt collectors to collect unpaid lunch money from parents. It may sound unreasonable but what else could the school system do
Debt Collectors Can't Put You In Jail For Debt
Debt collectors will try just about anything to get you to pay them, including threatening to have you arrested if you don't pay your debt. Being in debt is
Debt Collectors and the Do Not Call Registry
I've read consumers complaining about debt collectors calling them even though their number has been listed on the National Do Not Call Registry. Unfortunately,
Debt Consolidation - Will Debt Consolidation End Your Debt Trouble
If you’re like most people you want to ease the debt burden, but don’t want to ruin your credit with bankruptcy. Debt consolidation may have crossed your mind as a possible solution. Is it the right one for you?
Debt Consolidation Definition - What is Debt Consolidation
Debt consolidation is the process of combining all your unsecured debts into a single monthly payment. Sometimes debt consolidation is done with a loan other times you simply send a consolidated payment to a company who distributes that payment to your creditors.
Debt Consolidation Might Be Your Solution
If you've spent time researching solutions to your debt, you might have considered debt consolidation. This is when you combine all your debts into a single
Debt Counseling - How to Find Legitimate Debt Counseling
Finding a company that offers debt counseling is no problem. The real problem is finding a legitimate debt counseling company who will actually work with you to take care of your debt.
Debt Declines for the First Time Ever
A recent Federal Reserve report shows that American's debt shrank for the first time since it began tracking data about debt in 1951. Credit card debt went
Debt Diet eCourse
Debt Diet
Debt Diet eCourse - 5 Week Debt Diet
This weekly debt diet ecourse delivers step-by-step get out of debt details right to your inbox. Preview the debt diet lessons here.
Debt Diet eCourse Week 2 - Eliminate the Need For Debt
This weekly debt diet ecourse delivers step-by-step get out of debt details right to your inbox. Preview the debt diet lessons here.
Debt Diet eCourse Week 3 - Assess Your Debt
This weekly debt diet ecourse delivers step-by-step get out of debt details right to your inbox. Preview the debt diet lessons here.
Debt Diet eCourse Week 4 - Make a Debt Plan
This weekly debt diet ecourse delivers step-by-step get out of debt details right to your inbox. Preview the debt diet lessons here.
Debt Diet eCourse Week 5 - Debt Repayment in Action
This weekly debt diet ecourse delivers step-by-step get out of debt details right to your inbox. Preview the debt diet lessons here.
Debt Management Company Watch Outs - Debt Settlement - Debt Consolidation
Know what to stay away from when you're choosing a debt settlement, debt consolidation, or consumer credit counseling agency.
Debt Management Solutions
You have several options for debt management including using one of many types of debt relief companies or managing debt on your own. Get details on the many debt management options.
Debt Repayment Options
Paying off your debt isn't easy, especially when you have so many different companies saying they can help with your debt. When it comes to paying debt you can:
Debt Settlement Alternatives - Debt Negotation Options
While debt settlement may sound like a good way to pay off your debt, it can devastate your credit for seven years. Look at some debt settlement alternatives before hiring a debt settlement company.
Debt Settlement Is Not The Best Solution
Debt Settlement Is Not The Best Solution
Debt Settlement Is Not The Best Solution
The pitch from debt settlement companies sounds relieving, but it's not on the radar of favorable solutions. Your creditors might get paid off and you might
Debt Tip of the Week
Debt Management Tips
Debt To Income Ratio Definition - What is Debt-To-Income Ratio
Your debt-to-income ratio is the percentage of your income that goes toward paying your debt.
Debt Validation FAQ - Questions About Debt Validation - FDCPA
Debt validation is how you get debt collectors to prove you owe them the debt. Get answers to common questions about how debt validation works.
Debt Validation Letter - Sample Debt Validation Letter for Debt Collectors
Debt validation requests should be made in writing. Here is a sample debt validation letter you can send to collectors.
Debt to Income Ratio Calculator - Calculate Your Debt to Income Ratio
Use this free debt-to-income ratio calculator to tell whether you have too much debt.
Debt.com Profile - What is Debt.com
Debt.com is a website that refers you to a debt settlement company who can help you lower your debts.
Debtor's Anonymous - Get Debt Help Through Debtors Anonymous
Debtors Anonymous is a free debt help group for people who need help controlling their compulsive debting. Consider joining Debtors if you have trouble accumulating debt or you have lost control of your finances.
Declare Your Independence From Debt!
It was over two hundred years ago that Thomas Jefferson, George Washington, and others declared America's independence from Britain. This 4th of July, declare
Delinquencies Reach The Credit Card Industry
It started with mortgage defaults, now bad credit habits are effecting credit card companies as well. According to Fox News, credit card delinquencies are
Despite Debt Decline, Consumers Aren't Paying Credit Card Balances
For the past few months, Federal Reserve reports have shown a decline in credit card debt. On the surface, it would seem that consumers are finally paying off
Despite the Credit Crunch, Student Credit Card Debt is Overwhelming
The average college student is carrying more than $3,000 in credit card debt on at least four credit card. This shocking statistic comes from a report released
Destroy Your Credit Cards, Texas Chainsaw Style
Soon-to-be-ex-credit cardholders are taking revenge against their credit cards slasher movie style. In this YouTube video, The Tennessee Credit Card Massacre, a
Determine How Much You Can Pay
The more you can put toward your debt, the faster you can pay it off. Structure your debt plan based on what you can afford to pay.
Different Credit Report - Why Are My Credit Reports Different
If you compare your credit reports side-by-side, you may notice they're not the same. You have different credit reports because not all businesses report to all three credit bureaus.
Discover More Card Review - Discover Balance Transfer Credit Card Review
The Discover More Card advertises itself as a good balance transfer option, but it works better for purchases only.
Discover Motiva Credit Card Review
The new Discover Motiva Card rewards you for good repayment behavior as well as spending.
Discover Open Road Card Credit Card Review - Cashback Rewards Credit Card Reviews
The Discover Open Road Card pays a cashback bonus on gasoline and restaurant purchases, in addition to up to one percent on all purchases.
Discover Student Credit Card Review - Student Credit Card Reviews
The Discover Student Credit Card is a cash-back rewards card aimed at students. Students who qualify will get a low interest rate and no annual fee.
Discretionary Income - What Is Discretionary Income
income left after taxes and necessary expenses have been paid
Disney Premier Visa Card Review
The Disney Premier Visa Card offers a $100 Disney gift card bonus and 2% rewards on certain categories, but is the $49 fee worth it?
Disney Rewards Visa Card Review - Travel Rewards Credit Cards
The Disney Rewards Visa Card gives 1% back on purchases redeemable for Disney merchandise and vacations. It also provides special perks, bonuses and discounts at Disney resorts and theme parks.
Disposable Income - What is Disposable Income
income left after taxes have been paid
Dispute Credit Report Errors With Your Credit Card Issuer
There are two options for disputing credit report errors: with the credit bureau or with the credit card issuer or other business who listed the information on your credit report.
Ditched Credit Card Payments
Ditched Credit Card Payments
Do Bank Overdrafts Affect Your Credit?
When I first opened a checking account, I consistently overdrafted because I didn't understand that my deposits were not immediately available for withdrawal.
Do Bank Overdrafts Hurt My Credit Score
Payment history is 35% of your credit score, but does that include bank overdrafts? Learn whether overdrafting your bank account will hurt your credit score.
Do I Have Too Many Credit Cards
The truth is, there's no
Do I Have to Pay Interest on a Closed Credit Card
When you close your credit card, you can still be charged interest if you still carry a credit card balance.
Do I Still Owe After the Statute of Limitations Has Expired
Even though the statute of limitations has expired on a debt, you are still legally responsible for paying the debt. However, the creditor or collector no longer has the liberty of using the court to force you to pay.
Do Medical Collections Affect Your Credit Score?
I keep hearing comments that medical information placed on your credit report should not count against your credit score (collections or judgement). Is this
Do You Have A Department Store Or Gas Credit Card?
Do You Have A Department Store Or Gas Credit Card?
Do You Have A Department Store Or Gas Credit Card?
Do You Have A Department Store Or Gas Credit Card?
Do You Have A Department Store Or Gas Credit Card?
The good thing about department store and gas credit cards is that they're pretty easy to get. If you can't get a major credit card due to bad credit or no
Do You Have Too Much Debt - 10 Signs You Have Too Much Debt
too much debt, debt repayment, how much debt is too much, debt-to-income ratio
Do You Have Too Much Debt?
Taking the time to determine whether or not you have too much debt can provide confirmation that you are doing things right or the realization that some financial changes are needed.
Do You Have Too Much Debt?
Just how much debt is too much? Well, it depends. Unfortunately, there isn't a number I can give you that will let you know that you have too much debt. The
Do You Have Too Much Debt?
Do You Have Too Much Debt?
Do You Love Your Friends And Family?
If you knew something that could make a world of difference in the lives of your friends and family members would you keep that information to yourself or would
Do You Need a Credit Card To Build Credit?
Building a good credit history is important if you want to get a job, buy a house, buy a car, get a good insurance rate, among other things. A good credit
Do You Qualify for Free Credit Monitoring Under the TransUnion Settlement?
If you had an open credit account between January 1, 1987 and May 28, 2008 you qualify for the benefits of the TranUnion class action lawsuit settlement. By
Do You Really Need Credit?
In response to my post on new credit card laws encouraging consumers to spend more, Patti Hale writes: Obviously the predatory tactics of the credit card
Do the New Credit Card Rules Help or Hurt You?
In the past 18 months, a slew of new credit card rules have gone into effect. Just a few of the new provisions: credit card companies have to tell you 45-days
Does Bankruptcy Remove Accounts From Credit Report
No. Filing bankruptcy won't remove any items from your credit report, not even those included in your bankruptcy.
Does Checking Your Credit Hurt Your Score?
It's a good idea to check your credit report at least once a year. Not only does this help you stay aware of your credit standing, it also helps you detect
Does Closing a Credit Card Help or Hurt My Credit Score
Credit cards play a major role in your credit score. If you close a credit card will it help or hurt your credit score?
Does Credit Monitoring Really Prevent ID Theft?
If you're really curious about how often your credit report changes and what changes are being made, you might sign up for a credit monitoring service. These
Does Cupid Check Credit?
These days it seems like everyone is checking credit - banks, insurance companies, landlords, utility companies, potential employers, and even hospitals. More
Does Debt Affect My Credit Score
Your debt can affect your credit score. Debt affects your credit score in a good way if you have low debt. However, having a lot of debt can hurt your credit score.
Does Your Credit Need Repairing?
Just how bad is your credit? Is it so bad that you can't get utilities turned on in your name? Or that you can't rent an apartment? These are just two signs
Does Your Credit Need a Diet?
Most people can tell when it's time to cut fattening foods like cakes and pies from our diets. Tight pants on an expanding waist line are a clear giveaway. Do
Does a Bad Credit Score Make You a Bad Driver?
It's pretty common knowledge that bad credit scores can make life difficult. Try getting a credit card or loan with a bad credit score. If you manage to get
Does the FDCPA Apply to Payday Loans
The FDPCA applies to payday loans when there's a third party debt collector involved.
Don't Close That Card!
Thinking about downsizing your credit card collection? Choose carefully which credit cards you close and which ones you leave open. Because of the way your
Don't Fall for iPad Credit Card Scams
If you want the new iPad, but don't want to pay $499 for it, those Facebook ads about an iPad beta test or a iPad contest prize might sound attractive. The ads
Don't Leave Your Wallet in an Unlocked Car
If you want to keep your credit cards safe, don't leave your wallet in an unlocked car. Last year, there was a news story of an Ohio woman who had two credit
Don't Let Your Credit Card Choose You
If you have an address, you probably get credit card offers in the mail. If you haven't added your number to the national do-not-call registry, you might even
Don't Let Your Credit Card Ruin Your Marriage
I've heard many people say that money is one of the leading causes of divorce. It's probably not the lack of money or the abundance of money that causes couples
Don't Mistake Credit Card Notices for Junk Mail
It's more important than ever to read anything and everything you get from your credit card issuer. There are only a few months left before the bulk of the new
Don't Wait on the Feds For Your Bailout
Don't expect the Feds to come to your rescue when debt threatens to ruin your life. You'll have to be your own bondsman and take care of the debt you
Double-Cycle Billing - Double Billing Cycle Finance Charges Revealed
Explains the double billing cycle method of computing finance charges and demonstrates how it can be more costly for cardholders who want to pay their balance off quickly.
Drawbacks of Retail Store Credit Cards
I love shopping but I dread the question nearly all store clerks ask now:
Earn Rewards for a Disney Vacation
Earn Rewards for a Disney Vacation
Easier Credit Terms From Two Big Issuers
Consumers with credit cards from JPMorgan or Citigroup now face lower penalties from credit card mistakes. Both banks have modified some rates and fees that
Ebay MasterCard Review - Rewards Credit Card Review
The no-fee Ebay MasterCard lets you earn rewards on Ebay and PayPal purchases.
Emergency Fund - Build an Emergency Fund to Fend Off Debt - How to Build an Emergency Fund
Without an emergency reserve of cash, you'll feel forced to use credit cards or loans to cover unexpected expenses. Build an emergency fun to avoid credit card debt.
Emergency Funds Are Heroes in Face of Disaster
The massive Midwest flooding is an unfortunate situation for many homeowners, especially considering many of them dropped their flood insurance after being told
Ending Balance Method of Calculating Finance Charges
The ending balance method of calculating your finance charge uses the balance at the end of the billing cycle.
Equal Credit Opportunity Act - What is the Equal Credit Opportunity Act - ECOA Definition
The Equal Credit Opportunity Act or ECOA is a Federal law that prevents lenders and creditors from discriminating against customers based on certain factors, like gender.
Equifax Complete Advantage Plan - Credit Monitoring Review
The Equifax Complete Advantage Plan offers credit monitoring on all three credit bureaus all month long.
Escape by Discover Credit Card Review - Travel Rewards Credit Card Review
The Escape by Discover Credit Card lets you earn double miles on all your spending. There is a $60 annual fee. You will need good credit to qualify for this card.
Essential Credit and Debt Terms to Know
The lingo used in the finance world sometimes seems like a foreign language. Here are some terms that will help you translate commonly used credit and debt terms.
Essential Things To Know About Credit
A list of 10 important things every consumer should know about credit
Estimate Your Credit Score For Free
Estimate Your Credit Score For Free
Estimate Your Credit Score For Free
It's important to know your credit score. Without it, you never know what lenders are thinking about your credit history or just how much those 90-day late
Even Cities Are Filing for Bankruptcy
It's not just individual consumers and businesses who are feeling the brunt of this staggering economy. The city of Vallego, California, a San Francisco
Even During a Crisis, Payday Loans Are Still a Bad Idea
Many Americans are struggling during the credit crisis, but we still have to be smart about how we spend and borrow money. Payday loans were a bad idea before
Even Libraries Use Collection Agencies
Think there's no harm in keeping a library book past its due date? Think again. When you check out a book from the library, you are borrowing it. Since that
Everyday Credit Issues
After you've been using credit for some time, you’re sure to have questions that are more difficult to answer. Get answers to some of your toughest credit questions here.
Eviction Definition - What is an Eviction
An eviction is the legal process in which a landlord removes the tenant from a rental property.
Ex-Credit Counseling Agency Customers to Get Settlement Checks
This week, the FTC started sending out 460,000 checks to consumers who used the services of AmeriDebt, a credit counseling agency that has been banned from
Expect an Rate Increase On Your Credit Cards
Expect an Rate Increase On Your Credit Cards
Expedia World MasterCard Elite Level Review - Travel Rewards Credit Card Reviews
The Expedia World MasterCard Elite Level credit card lets you earn triple ThankYou points on travel and two points at gas stations and grocery stores plus points on airline miles. There is a $75 annual fee.
Expedia World MasterCard Review - Travel Rewards Credit Card
The Expedia World MasterCard lets you earn Citi ThankYou points on both your spending and air miles for no annual fee.
Expense Tracking to Pay Off Debt
Expense tracking is an important part of budgeting and especially in paying off debt. Learn how to track your expenses without using expensive or hard-to-learn software.
Experian Credit Report - How to Manage Your Experian Credit Report
Managing your Experian credit report is important to ensure that creditors and lenders who check that report get the most accurate information for you. Learn how to manage your Experian credit report.
Experian Pays Over $200M for Websites to Push "Free" Credit Products
What do FreeCreditReport.com, FreeCreditScore.com, and ConsumerInfo.com have in common? Besides all pushing a $1 credit report or free credit score, they're all
Experian Triple Advantage Credit Monitoring Review
Experian's Triple Advantage credit monitoring service is offered as a trial through their free credit report and credit score websites. This review tells you whether you should keep the service or cancel.
ExxonMobil Platinum MasterCard Review - Gas Rewards Cards Reviews
The no-fee ExxonMobil Platinum MasterCard offers fifteen cents off a gallon of gas, plus up to two percent back on everything else.
FACT Act - The Fair and Accurate Credit Transactions Act of 2003
The Fair and Accurate Transactions Act of 2003, or FACT Act, amended the Fair Credit Reporting Act to help consumers fight identity theft. The FACT Act gave consumers the right to a free credit report every year.
FCBA – Disputing Credit Card Charges – Correcting Credit Card Billing Errors
The Fair Credit Billing Act, FCBA, gives you the right to have credit card billing errors corrected. Find out how to properly respond to incorrect credit card charges.
FDCPA & Original Creditor - Does the FDCPA Apply to the Original Creditor
The FDCPA or Fair Debt Collection Practices Act was designed for third-party debt collectors. Generally, the original creditor doesn't have to follow the rules specified in the FDCPA. There may be some exceptions.
FICO Score Definition
A FICO score is a version of your credit score developed by and named after the company who came up with the score.
FICO Score Estimator Review - Review of myFICO FICO Score Estimator
Review of the free FICO score estimator found on www.myfico.com
FICO Will Keep Authorized User Accounts
Fair Isaac has changed its mind about removing piggybacked accounts from the FICO score equation. In 2007, Fair Isaac announced a new credit scoring model -
FICO, FAKO... What Are All These Credit Scores?
In a simple world, there would be one credit score per consumer. Sort of like the way you only have one birthday and one social security number. Alas, the
FTC Goes After 33 "Credit Repair" Agencies
Earlier this week, the Federal Trade Commission (FTC) announced plans to target 33 credit repair agencies who violated both the FTC Act and the Credit Repair
FTC Rules for Debt Relief Companies
The FTC has made a new rule for many for-profit debt relief companies including debt settlement, debt consolidation, and credit counseling agencies.
FTC Stops Debt Reduction Scheme
The FTC has taken action to halt the operations of a group of debt consolidation companies operating under the names Debt Set Inc, Debt-Set, and Resolve Credit
FTC Sues Credit Card Company CompuCredit for Deceptive Marketing Practices
The Federal Trade Commission sues credit card marketer for deceptive marketing practices. On June 10, 2008 the suit was failed against CompuCredit and subsidiary, Jefferson Capital for false advertising.
FTC Sues Subprime Credit Card Company, CompuCredit
Think your complaints to agencies like the Federal Trade Commission go unheard? Think again. The FTC has sued subprime credit credit card lender, CompuCredit
FTC To Change Consumers' Credit Bureau Complaint Process
The Federal Trade Commission (FTC) recently released a report that details the credit bureau complaint process for consumers after they've submitted a credit
FTC's 2008 FDCPA Report - Summary of Debt Collection Complaints in 2007
The FTC report on debt collection complaints received in 2007.
Facing Foreclosure? There's Hope for Homeowners
Though it's not $700 billion, homeowners will get somewhat of a bailout. The Hope for Homeowners program, which is expected to save an estimated 400,000
Fair Credit Reporting Act - FCRA - What Is The FCRA
The Fair Credit Reporting Act is a federal law that details how consumer credit information can be collected, given out, and used
Fair Debt Collection Practices Act Profile - FDCPA Background - Fair Debt Collection Law
Debt collectors aren't free to take whatever means necessary to collect a debt. In fact, they are governed by federal laws. Being aware of these laws helps protect you from the unscrupulous practices of certain debt collectors.
Fair Isaac Changes Its Name to FICO
Things get a little less confusing in the credit scoring world as Fair Isaac, the company who developed the FICO score, has recently changed its name. Going
Fed Makes a Proposal to Close Loopholes in CARD Act
The folks at First Premier Bank won't be happy about the latest credit card rules. Here's some backstory. When the CARD Act passed, it included a rule that
Federal Interest Rate Cut - Taking Advantage of Lower Interest Rates
When the Feds cut interest rates, it could be good news for paying off your credit cards and loans. Find out how to take advantage of lower interest rates.
Federal Reserve Board Launches Site Explaining New Credit Card Rules
LThe Federal Reserve Board (FRB) has launched a website that covers some of the key changes of the new credit card rules that will go into effect on February
Federal Reserve Chairman Says Moving Up Credit Card Rules Might Hurt Consumers
Congress is considering moving up the effective date of the new credit card rules from February 22, 2010 to December 1 this year. But, according to Boston
Federal Reserve Issues New Gift Card Rules
If you've ever been frustrated by a shrinking gift card balance or a gift card that was cancelled without notice, you'll be happy about the new law on gift
Feds Cracking Down on Credit Cards
Federal regulators have proposed new rules for credit card companies. If passed, these rules will cut down on the unfair and often costly practices credit card
Fidelity Investment Rewards Visa Signature Card Review - investment rewards credit card reviews
The Fidelity Investment Rewards Visa Signature Card pays a 1.5% cash reward that is swept into a Fidelity investment account.
Fidelity Rewards American Express Card Review - Rewards Credit Card Reviews
The Fidelity Rewards American Express Cards pay 2% cash back on purchases. The rewards dollars are swept into your Fidelity investment account.
Fifth Third Bank Charges Inactive Credit Card Fee
Some credit card issuers are closing credit cards for inactivity, but USAToday.com reports Fifth Third bank is charging a $19 fee on credit cards that have been
Fifth Third Homeowner Plus Value Card Review - Cash Reward Credit Card
The Fifth Third Homeowner Plus Value Card lets you earn rewards that help you pay down your home mortgage balance.
Fifth Third Secured MasterCard Review
The Fifth Third Secured MasterCard has a moderate annual fee of $24 and is for people who are rebuilding their credit history.
Find Out What Your Friends Think About Your Credit Card Transactions?
A new service will allow you to let your friends, and the world, know everything you've purchased on your credit card. From a Washington Post article, I
Find an Apartment After Foreclosure
Foreclosures are sweeping the nation. Many consumers were given loans they could barely afford and when mortgage payments increased, homeowners found
Find the Best Student Credit Cards
Not every credit card with a student label is a good student credit card. Learn to find the best student credit cards.
Finding Credit Cards With a Low Credit Score
Finding Credit Cards With a Low Credit Score
Finding Credit Cards With a Low Credit Score
Finding Credit Cards With a Low Credit Score
Finding Credit Cards With a Low Credit Score
Finding Credit Cards With a Low Credit Score
Finding Credit Cards With a Low Credit Score
The way to fix bad credit is to rebuild your credit. Sounds easy enough until you realize no one wants to give you credit because you have bad credit.
First Comes FICO, Then Comes Love
A bad credit score can keep you from doing a lot of things - buying a house, getting a credit card, and yes, it can even keep you from getting a date. I
First National Bank of Omaha American Express Card Review
The First National Bank of Omaha American Express Card has no annual fee and lets you earn 2% cash back on gasoline and grocery purchases.
First National Bank of Omaha American Express Graphite Card
The First National Bank of Omaha American Express Graphite Card lets you earn 3% cash-back on airline tickets and 2% back on gas and groceries, plus a $100 cash bonus.
First Premier Bank Gold MasterCard Review
The First Premier Bank Gold MasterCard 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 First Premier Bank Gold MasterCard.
First Premier Bank Secured MasterCard Credit Card Review - Secured Credit Card Review
The First Premier Bank Secured MasterCard has a high annual fee, a high APR, and a strict credit-limit increase policy.
First Premier Has the Worst Credit Card
I don't know if I could recommend The First Premier Bank Gold MasterCard to even the most desperate credit card shopper. The card is a complete ripoff. The
First Premiere Credit Card Has a 79.9% Interest Rate
When I first read the headline, I thought it must be a typo. Either the author made a typo or the credit card issuer included a typo in the credit card
First Time Credit - How to Get Credit for the First Time
How to apply for credit for the first time. The steps you should take and what to watch out for.
Five Best Auto Rewards Credit Cards - Vehicle Rewards Credit Cards
GM, Toyota, Lexus, Chrysler and BMW have no-fee rewards credit cards that help you earn points toward your next new vehicle.
Five Best Gas Credit Cards - Gas Rewards Credit Card Reviews
The best gas rewards credit cards are issued by Pentagon Federal Credit Union, BP Amoco, Hess, Chevron and Texaco, and ExxonMobil. The cards pay generous, automatic rebates on gas purchases.
Five Credit Cards That Can Help You Buy a Car
Credit card rewards come in all shapes and sizes. We have reviews for five credit cards with rewards that you can use toward the purchase of a new vehicle.
Five Principles Of Making Credit Card Payments
If you ever wonder the best way to pay off your credit cards, here are some tips to help you make those decisions each month.
Five Principles of Making Credit Card Payments
Five Principles of Making Credit Card Payments
Five Spending Habits That Lead To Debt
Recognize and change the spending habits that can cause you to be overloaded with debt.
Five Stars for PenFed's Travel Rewards American Express
If you're on the market for an excellent travel rewards credit card, take a look at the PenFed Premium Travel Rewards. There's no annual fee, five points on
Five Ways to Consolidate Debt
When your debt is spread out among several different credit cards, paying it off can be a long process. If you consolidate debt, you can combine your debt paying efforts and pay off your debt quicker.
Fixed Credit Card Interest Rate vs Variable Credit Card Interest Rate
Credit card interest rates can either be fixed or variable. In reality, both interest rates can change, but there are stricter rules about fixed rate increases.
For $99 TurboCredit Can Do What You Can For Free
TurboCredit claims to be a
For a Good Credit Score, a Low Credit Card Balance is Best
Thirty percent of your credit score considers your level of debt. Credit scoring calculations compare your credit card balance to your credit limit to come up
Foreclosure Filings up 53% - What You Can Do to Keep Your House
The mortgage crisis continues. This year, June saw 53% more foreclosure filings than June last year. The hardest hit states include Arizona, California, and
Form 1099-C Cancellation of Debt
When a lender cancels your debt, you may have to report this as taxable income on your federal income taxes, unless there is an exception. If you're required to report the cancelled debt, the lender will send IRS Form 1099-C to you.
Four Great Online Retail Rewards Cards
Overstock, Amazon, L.L. Bean and Williams-Sonoma offer credit cards with generous rewards and bonuses, like free shipping.
Fraud & ID Theft
You have the right to keep your personal information private. Protect yourself from fraud and identity theft by learning how to keep your information safe and protected. Find out what you should do in the event of a fraud situation here.
Fraud Alert Definition - What is a Fraud Alert - Credit Report Fraud Alert
A fraud alert is a statement on your credit report that warns credit report viewers that you have been or may be a victim of identity theft.
Free Credit Monitoring After TransUnion Lawsuit Settlement
Free credit reports are very common these days, with and without strings attached. Free credit scores, on the other hand, are not so common. Now, thanks to a
Free Credit Report & Credit Score
Learn how to get a free credit report and credit score both with and without the strings attached.
Free Credit Report Scam - Avoid Paying for Your Free Credit Report
Late-night commercials sing about free credit reports, but those reports aren't actually free. There are many free credit report scams and only one way to get your free annual credit report without using a credit card.
Free Credit Score If You're Denied Credit
Free Credit Score If You're Denied Credit
Free Credit Scores for Some With New Risk-Based Pricing Notice
As of January 1, 2011, many consumers may receive a free credit score when they make credit card or loan applications.
Free Debt Help On Monday 5/5
TODAY will open a debt hotline on Monday, May 5 from 7 a.m. to 11 a.m. Credit counselors from the National Foundation for Credit Counseling will be available
Free Online Credit Report Offers - Where to Find Free Online Credit Reports
This list of free online credit report offers lets you know the best places to get a free online credit report.
Free State Credit Report - 8 States That Allow Free Credit Reports
Certain states have a free state credit report law. If you live in one of these 8 states, you can order a free state credit report in addition to your annual credit report. A few other states have laws that reduce the cost of your a credit report.
Free Trip From Capital One and AOL Up for Grabs
Think back to your most frustrating trip. What made it so bad? What it the booking process? Checking in at the airport? Baggage claim? Describe your trip in a
Free Worksheet for Expense Tracking
Free Worksheet for Expense Tracking
FreeCreditReport.com Now Costs $1
You used to be able to get a free credit report and credit score from FreeCreditReport.com. Now, that same free credit report will cost you $1.
FreeCreditReport.com Review - Is FreeCreditReport.com a Scam?
You've heard the late-night jingles about going to freecreditreport.com. Is it a scam or do you really receive a free credit report?
Frequently Asked Questions About Credit Reports
Answers to frequently asked questions about credit reports like how to order a free credit report and how long negative information remains on your credit report.
Frozen HELOCs Won't Hurt Your Credit Score
Falling home values lead to banks reducing or closing many homeowners home equity lines of credit (HELOCs). SmartMoney.com reports some of the largest mortgage
GE Money Loses Customers' Personal Information
GE Money Loses Customers' Personal Information
GE Money Loses Customers' Personal Information
Your personal information may be in jeopardy. A GE Money contractor recently misplaced a backup tape that held personal information for about 150,000 people,