When you feel like you have no where else to turn for help with your mounting credit card bills, consumer credit counseling may be the answer. But how do ... Read More

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 you ... Read More

A recent Bankrate poll revealed that 32% of consumers have never checked their credit report, an alarming statistic considering consumers have access to free credit reports. Another surprising statistic: 45% of ... Read More

Having a bad credit history or no credit history at all can lead to denied credit card applications. When this happens, a secured credit card is an option. Since you ... Read More

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 get ... Read More

Trying to figure out credit and debt can make you feel like a flounder stuck out in the middle of the Atlantic Ocean. That’s why I’m here – to ... Read More

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 laws ... Read More

They count as 10% of your total score, but what exactly is the effect of credit inquiries to your credit score? You may have read that too many credit inquiries can ... Read More

Good credit doesn't happen overnight. It comes from years of using credit the right way. If you never learn the right way to use credit, it's easy to ... Read More

For the first time since the first quarter of 2006, credit card debt is down. According to the Federal Reserve, revolving credit decreased by .5% in April, resulting in ... Read More

I keep hearing comments that medical information placed on your credit report should not count against your credit score (collections or judgement). Is this true? --Carol Hi Carol- Should not and does ... Read More

Low credit scores can have far-reaching effects. If you’re shopping around for a mortgage or another kind of loan, a low credit score can lead to a higher interest ... Read More