Credit

Here you will find the buzz about what’s going on with credit today. We will look at credit trends, how to get a good credit deal, how to maintain a good credit score and how to use credit cards to your advantage.

Save money for America Saves Week
4 Easy Ways to Get Involved in America Saves Week and Save Successfully
Not sure where to start to build an effective saving strategy? We offer you four easy ways to get involved in America Saves Week to reach your goals.
Don’t Be a Victim of Credit Report Errors

As you may have heard, a Federal Trade Commission study showed that 5 percent of credit reports have mistakes that could lead consumers to pay more for loans, insurance and other financial products. This fact is not surprising, as we can’t expect millions of credit reports to be perfect. And having an error on your […]

How Do You Handle Your First Credit Card?

By Ines Mato Whether you are going away to college and opening a credit card for emergencies, or getting your first card for another reason, it will be a new experience. With a credit card comes financial responsibility, and you need to know how to appropriately handle your first card. Make sure you understand the […]

Achieve a perfect credit score
Steps to Achieving a Perfect Credit Score
It may seem impossible, but you can take steps to clean up your reports and build credit to achieve a perfect credit score with a little work.
How to Pay Off Excessive Credit Card Debt

By April Lewis-Parks Relying too much on credit to get by has left many people in a position where they are now struggling to catch up. Credit card debts pile up and minimum payments increase. This can cause problems when your payments start to exceed what you can afford to pay in any given month. […]

8 Ways to Make the Most of Your Holiday Bonus

By Andrea Woroch No matter where you work, there’s always a glimmer of hope you’ll find something extra in your paycheck around the holidays. In the event such dreams actually do come true, a windfall of cash can make us do some strange things. Suddenly, even the most frugal shopper is looking for any excuse […]

Poor credit may hurt your job search
Don’t Let Poor Credit Prevent You From Getting a Job
A bad credit profile can do more than making borrowing difficult, your poor credit could keep you from landing your dream job if you're not careful.
Those 3 Not So Little Numbers…Does Your Credit Score Need an Adjustment?

By April Lewis-Parks No one likes to think about financial planning when the holidays are here, but the end of the year is one of the prime periods to start preparing for next year’s financial goals. While saving more money and paying off your credit card balances are typically on the “to-do” list, bumping up […]

How To Get a Passing Grade When You’re Unschooled in Student Credit Cards

Student Credit Card Tips – How Students Can Prevent Credit Card Debt. If you sauntered through the middle of a college campus a decade ago, you might have been inundated by the art of tabling—clever marketing ploys where credit card issuers would set up booths and lure students with free swag in exchange for filling […]

The Barclaycard MasterCard: Equality in Your Plastic Relationship

By Credit Card Select Successful relationships hinge on the interplay of give and take. A partner who is too headstrong, controlling, and demanding can plant toxic seeds into unions, and given time, will fester into disaster. The same goes for the relationship you have with your plastic. All too often, consumers can find themselves feeling […]

Frightening Fact –Over 9 Million People Have Had Their Identity Stolen

Credit fraud and identity theft is a rampant problem, so much so that this week has been dubbed Protect Your Identity Week. In honor of this necessary awareness campaign I wanted to take a look at credit monitoring services and lend some tips for safeguarding your credit, finances, and identity. You can read about credit […]

Are Retail Reward Cards Really Helping you Save?

by April Lewis-Parks Nearly every financial professional will list coupons, discounts and perks as smart strategies for cutting down costs. After all, you wouldn’t pay full-price for a new dress if you could find the same one for half price. The problem is that this line of thinking doesn’t always apply when it comes to […]

What’s in Your Credit Report?

Want to buy that house for your kids to grow up in? Or even just rent that car for a weekend getaway? You had better make sure your credit report and credit score will hold up to scrutiny. Payment history, number of accounts and age of oldest account are all huge factors in lenders and […]

How Do Credit Card Penalties Work?

by April Lewis-Parks Credit card penalties can be scary and confusing. Asking your bank to explain the different penalties to you doesn’t help much, as they will tell you to read your statements and contracts. But with all the fine print and legal terminology, how are you supposed to know what you will end up […]

Let the (Budgeted) Fall Shopping Season Begin!

by April Lewis-Parks Temperatures are getting lower and soon the leaves will start changing, which can only mean one thing: Fall is nearly here! For most people, the fall season brings pumpkins, cozy sweaters and cool nights to mind. For others, it signals the time to put away their summer wardrobe and prepare for sweater […]