Paying off a credit card is a great accomplishment, especially if you worked long and hard to do it. What now? Do you leave the card open or ... Read More

Raising your credit score involves getting new credit and proving you pay your bills on time. Reforming bad credit card payment habits isn't so tough. But getting a ... Read More

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 ... Read More

Reading your credit report for the first time - and sometimes even the second or third - can be confusing. Understanding your credit report is crucial to achieving your ... Read More

Making your credit card payments on time each month is important for building a good credit history. It also keeps you from paying extra money to your creditors. ... Read More

A lost credit card is a scary situation, especially the first time. Even though you might be worried, stay calm and don't panic. You must report your missing credit card ... Read More

Your credit score is a three-digit number that creditors and lenders use to quickly make a credit decision about you. The score ranges from 300 to 850 and is ... Read More

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 ... Read More

Growing up, one of the things I loved about Thanksgiving was the day after Thanksgiving - Black Friday. I'd beg my mom to get up at 4 AM and ... Read More

Every few weeks, I get questions from readers wanting to know the statute of limitations on their debt. Someone's told these consumers there's a time limit that debt collectors ... Read More

When you put in a job application, the employer might check your credit report. Why? To predict job irresponsibility or financial overload that could interfere with the job. ... Read More

Earlier this year, Fair Isaac, originator of the FICO score, announced it would be modifying its credit scoring calculation to exclude authorized user accounts. This came after pressure from ... Read More

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, debt is easy ... Read More

Consumer credit counselors are professionals experienced in making debt management plans and negotiating with your creditors. You might consider consumer credit counseling if you have trouble managing your credit ... Read More