The free annual credit report. You might be surprised to learn that a large percentage of people never even take advantage of this opportunity. Besides being silently unaware of fraud or inaccuracies, not checking your credit report could be holding you back from financial freedom. Keep An Eye Out Many people think their credit report  … Read more

While you may find it surprising to think that a minor could have credit problems, the truth is that there are many instances in which minors have turned 18 only to find their credit in poor standing. How can this happen? and What can you do to prevent it? Be Mindful With the information and  … Read more

Debt relief is something many of us have needed, or will need in the future. While we can’t always avoid problems with financial hardship, we can control how we bounce back after debt problems. Whether you end up “settling” your debts or repaying them through a negotiated agreement, chances are you are going to need  … Read more

It might seem like budgeting and your credit have nothing in common, but they do. In fact budgeting and smart money management is a key factor in having good credit.  Here is why: A Give And Take Relationship Credit is tricky business and even the smallest mistake can take a devastating toll on your credit  … Read more

Last week, news broke about several big credit card companies who have been ordered to pay restitution to many customers for charging outlandish fees. Visa and MasterCard are currently involved in a $7.3 billion settlement, while Chase and a few others are involved in a $100 million settlement. While some consumers are aware of the  … Read more

If you have recently turned 18 or you’re applying for credit for the first time, then you might be learning that getting a great credit card isn’t easy.  If those offers of credit card reward programs sound enticing, be forewarned that it takes a little bit of time before those cards are available.  However, you  … Read more

Are you struggling with your finances?  Has debt negotiation proven to be of little benefit for you?  If so, you might benefit from initiating credit negotiations with your credit card provider.  Credit negotiations can be a great way to demonstrate good faith and cut a deal with your credit card company. Suggestions for Getting Started  … Read more

The financial world often seems to be quite polarized over the subject of credit cards.  While some financial professionals will tell you to avoid all cards at all costs, others will encourage you to take advantage of all the credit cards you can.  Like most people, we tend to think that somewhere between those two  … Read more

If you’re suffering under credit debt, your primary focus should be paying it off as quickly as possible.  If, however, you’re in good credit shape, taking advantage of these credit tips can help you put money back in your pocket.  Responsible use of credit has many benefits.  If you aren’t taking advantage of these tips,  … Read more

Two words you never want to hear together: credit and scam.  But, in a down economy, scam artists are taking advantage of consumers with bad credit scores more often than ever before.  If you receive an offer about credit repair, be very careful.  No one – no one – can alter your credit history legally.   … Read more