If you already have excellent credit and sparingly apply for new credit, checking your credit reports once a year might be sufficient. However, if you are in the process of rebuilding your credit or...
Credit Card Tips
Weekly Credit Cards Tips
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What Should I Look For On My Credit Report?
Sep 20, 2008
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Beware of High-Tech Identity Theft Tactics
Sep 20, 2008For the eighth year in a row, identity theft led the way in 2007 as "the number one consumer complaint category". The Federal Trade Commission's list of Top Consumer Fraud Complaints also reported...
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Credit Talk Forum Helps Users Navigate the Credit World
Sep 13, 2008Are you ready to take matters into your own hands and improve your credit? If so, congratulations for having the courage to do something about your credit problems. Many people choose to avoid the...
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Want a Lower Credit-Card Rate? Just Ask for It
Sep 06, 2008Existing credit card customers are of great value to credit issuers, and that will never change. In fact, some analysts estimate it costs credit card companies more than $200 to acquire a new...
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Beware of Voter Registration ID Theft Scam
Aug 30, 2008Identity theft scammers never grow tired of finding new ways to deceive the unknowing into divulging personal information over the phone. In fact, the Federal Trade Commission recently reported that...
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Worried About Missing Your Next Credit Card Payment?
Aug 23, 2008Credit card delinquencies are soaring in 2008 as consumers continue to struggle with the subprime loan crisis, higher energy prices, and a sputtering U.S. economy. In fact, some experts estimate a...
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The Payment Allocation Provision - A Credit Card Company's Best Friend
Aug 18, 2008It makes logical sense that consumers should have the power to choose how their payments apply to credit card debt. Of course, some must go towards paying interest charges if a balance is carried,...
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"Same As Cash" Offers Hurt Credit Scores
Aug 09, 2008Even though you really want that new high-def plasma TV with the booming home theater system, $5,000 smackers might sound a bit too rich for your pocketbook at the moment. So why not use a "same as...
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'Piggybacking' Lives On
Aug 02, 2008Piggybacking, a technique that allows consumers with good credit to boost other's credit scores by adding them as an authorized user, will live on. If you haven't heard the term before, it's not a...
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What's the Universal Default Clause?
Jul 17, 2008Hidden deep in the small print of your credit card terms and conditions, you may find the dreaded policy known as the "Universal Default Clause". This clause gives credit card companies the...
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What's a "Good" Credit Score?
Jul 10, 2008Everyone seems to care what your credit score is these days. Even insurance companies and employers are taking a look at your credit history to determine if you are a "risk" worth taking. You may...
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Reduced Credit Card Limits Hurt Consumer Credit Scores
Jul 05, 2008We spend a great deal of time in the credit industry educating consumers about credit utilization and explaining why it's important to understand the term. As banks and other card lenders are...
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Beware of Excessive Debit Card Holds at Gas Pumps
Jul 02, 2008If you are a fan of using your debit card to make everyday purchases, you may want to think twice before filling up this July 4th weekend. Consumers have been complaining across the country about...
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How to Save 15-75% on Meals
Jun 26, 2008If your busy life forces you to eat out often, then you should know just how painful it can be on the pocketbook. In fact, eating out is by far the biggest variable expense most families have each...
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Experian Implements New Credit Scoring Model: Authorized User Accounts Dropped
Jun 26, 2008The Fair Isaac Corporation announced a major change in 2007 to their credit scoring formula, which ignited quite a bit of controversy and anticipation throughout the industry over the past year....
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ID Theft Tops FTC's List—Are You Protecting Your Good Name?
Jun 12, 2008For the eighth year in a row, identity theft led the way in 2007 as "the number one consumer complaint category". The Federal Trade Commission's List of Top Consumer Fraud Complaints also reported...
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How to Ease Your Pain at the Pump!
Jun 08, 2008The media was talking about the "$50 fill-up" like it was an anomaly just a few years ago. With the average national price for regular gas hitting $4 for the first time, a "$50 fill-up" these days...
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Beware of Credit Card Currency Conversion Fees!
Jun 01, 2008As credit card issuers continue to look for additional ways to boost fee revenue in the midst of the credit crisis, consumers traveling overseas should pay special attention to foreign currency-...
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I never use my first credit card anymore - Should I just close the account?
May 25, 2008Closing out your oldest credit card immediately shortens credit history and negatively affects your credit score. Length of credit history accounts for approximately 15% of your credit score, and...
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The Fed Cracks Down on Credit Card Companies - Too Little Too Late?
May 18, 2008In early May the Fed issued several new proposals designed to protect consumers by restricting various credit card billing practices and requiring more clarity in disclosure of costs. The US Federal...
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Emergency funds - A personal cure for the credit crunch
May 04, 2008Do not rely on credit as an emergency fund. Everyone's personal financial plan should include a goal of having at least six months' worth of living expenses saved in a liquid emergency fund such as...
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There is an error on my credit report - Where do I begin?
Apr 27, 2008Mistakes happen all the time, and it is more important than ever to make sure there are no errors on your credit report. To ensure an error gets corrected as soon as possible, be prepared to write a...
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Have trouble making your payments on time?
Apr 20, 2008The best way to prove you are a reliable credit risk is to always make your payments on time. If you find yourself forgetting when your credit card payments are due, take a few moments to set up...
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