Warning: Only read this if you are in “goofing off” mode. You may also want to ignore this post (along with your FICO score of course) if you just got yelled at by your boss.
Everyone ignores their FICO scores anyway so why don’t you as well? Here are the reasons why I believe [...]
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I always thought that going out for a meal was a much better social gathering than other types of get-togethers because of the social interaction involved (required). A few days ago, my luncheon with a friend confirmed this idea further.
He told me that he uses many credit cards in order to “snipe” the best [...]
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The Fair Credit Reporting Act entitles everyone to access credit reports from each of the three credit agencies – Experian, Equifax and TransUnion every 12 months. While there are tons of places that offer free credit reports for a free trial of their service, the only federally authorized source to offer free reports with [...]
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Even a banker’s advice could be totally wrong.
I can’t believe what I heard, but a banker told me that carry a credit card balance can improve my credit score. In fact, there are many people who give the same advice – don’t pay your credit card balance in full to raise your score. So today, [...]
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This is a guest post written by Steven Sildon, Managing Editor for CreditCardAssist.com and a frequent contributor in the personal finance community, writing about the pitfalls and practicalities of credit cards, rewards programs, and revolving consumer debt.
With the recent struggles in the economy, more and more people are discovering that credit card companies are drastically [...]
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Millions fall victim to identity fraud each year. The number seems to be decreasing the past couple of years, but even one is too many in my opinion. To prevent the possible emotional and financial stress of having your identity stolen, just praying that the government and credit report agencies will further improve [...]
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Welcome to the 179th edition of Carnival of Personal Finance. This week, I want to remind everyone to smile because there’s never enough happiness in the world!
Editor’s Choice
Photo By Richard M.
Reading these articles just brings a huge smile to my face! Great positive advices are what we should all be writing about!
Chief Family [...]
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My credit card company told me today that the credit bureau actually treat our credit card limit as debt when they calculate our debt-to-income ratio. It doesn’t matter whether we spend $30 or $3000 if our credit limit is $5000 because they just put $5000 as debt when they look at your credit because [...]
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This is a guest post from Debt Lead, who has a debt consolidation website by Kimberly Credit Counseling.
Credit bureaus, also referred to as credit repositories, are an entity that gathers information about consumers’ credit histories. Your credit history includes information concerning your identity, your payment habits, and your public record. Credit bureaus sell credit reports [...]
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This is part two of two part guest post from Debt Lead, who has a debt consolidation website by Kimberly Credit Counseling. If you’ve missed part one on credit reports, click here.
The credit repair scam artists can never deliver what they promised. Only a deliberate effort for a very long time and a plan to [...]
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This is part one of a two part guest post from Debt Lead, who has a debt consolidation website by Kimberly Credit Counseling.
Newspapers, radio, TV and the Internet are filled with advertisements that offer to erase accurate negative information in your credit file. The credit repair scam artists who run these ads can’t deliver. Only [...]
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This is a guest post from Debt Lead, who has a debt consolidation website by Kimberly Credit Counseling.
Have you ever heard this before: “Credit Problems? No Problem!” “Your Bad Credit Erased…100% Guaranteed”?
Beware if you have ever read this type of advertisement! There are numerous companies throughout the United States that claim they can “fix” your [...]
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This is a guest post from Debt Lead, who has a debt consolidation website by Kimberly Credit Counseling.
Debt is a challenge we all face and we will let it ruin us if we aren’t careful. Here are a few minor details about credit cards and credit that we should watch out for.
Balance Transfers
Transferring the [...]
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Welcome to the 146th Carnival of Personal Finance, Q1 Financial Advice Edition.
There are many things we can do to help our finances throughout the year and certain ones are time sensitive. Now that the first quarter of the year has officially past, let’s look at what we could’ve done during this time while enjoying [...]
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