Managing Your Credit
Good credit and financial fitness go hand in hand. Building a history of good credit can pay off in lower prices for loans and peace of mind.
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What Do Your Credit Cards Really Cost You?
People are borrowing more and more money to finance their spending habits, a lot of it by using credit cards. What's your cost?
You Can Negotiate With Creditors
Early negotiations with the original creditor are much easier than dealing with a collection agency later. These tips can help:
- Let the creditor know you are trying to take responsibility for your past credit history and regain control of your financial situation.
- Explain your situation, but don't over-explain. Tell the creditor what you can do, rather than what you can't do.
Read more.
Getting Ready to Invest: How Your Credit Score Impacts Your Financial Future
Did you know that your credit score is one of the key factors that determines the rate of interest that you will pay for a home loan — and whether you get that loan or not? Credit Score Basics and More
Free Credit Monitoring, Cash Settlement—Not A Scam
Class-action suit against credit reporting agency may result in you receiving free credit monitoring or free daily access to your credit report and score or a cash settlement. See if you qualify.
Free Credit Report from AnnualCreditReport.com
This site allows you to request a free credit report once every 12 months.
AnnualCreditReport.com is the only authorized online source for you to get a free credit report under federal law. You can also call toll free: (877) 322-8228. Request your report.
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Divorce and Your Credit
Divorce involves many complicated issues, such as support, alimony and property division. But who gets custody of your good credit? Read more.
Convenience Checks Aren't So Convenient
This Dallas resident bought a new Toyota Prius with the help of a "convenience check." But his experience turned out to be an enormous inconvenience. Read why.
Deceptive Credit Practices
Deceptive or misleading practices are everywhere. Whether it is misleading advertising, wrong assumptions, or outright lies, the results are the same: you may pay more than you should for what you get. Read more.
Bogus Credit Card Charges
Have you been paying for services you did not request or have cancelled? Some companies perpetrate a scam that captures credit card numbers that you have given to a legitimate business that you deal with online. Beware of pop-ups that offer discounts or rebates. Learn more.
Credit Card Do's and Don'ts
Here are some tips to help protect yourself from credit and charge card fraud. Do's and Don'ts
Maintaining Good Credit
Maintaining good credit can mean the difference between low interest rates and high interest rates. A good credit rating also can make it easier to buy a home. Learn the steps you can take to maintain a good credit rating.
Payday Loans
Learn how to avoid the payday loan trap. Visit the Payday Loans page.
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Read Frequently Asked
Questions About Saving &
Investing
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