Your credit is becoming one of the most important items that others use to judge you when making decisions about your reliability. This goes beyond just looking at your credit score to decide if you should qualify for a loan … Continue Reading

When you open a credit card account, you often have the option to add another card user to your account. It’s important to understand the difference between an additional user and a joint credit card account. The Basics of a … Continue Reading

Have you checked your credit report lately? If you’re doing all the right things with your credit, you might think that checking your credit is totally unnecessary – you’ve never missed a loan payment, you pay your credit card bills … Continue Reading

You may have just refinanced your mortgage and locked in a lower rate. You may have taken out a student loan with a really low interest rate from a private leder. And yet, your credit card APR is still sky … Continue Reading

It’s pretty rare to come across a person who sets out in his or her financial life with the intention of someday declaring bankruptcy. In fact, for a lot of us, the prospect of declaring bankruptcy seems like such a … Continue Reading

If you’ve never opened a line of credit before or you have little to no credit history, chances are you’re still trying to figure out just how your credit works and how to get started. FICO scores, annual credit report, … Continue Reading

On the continuum of mistakes we make throughout our lives, there are definitely some screw-ups that are much worse than others. Forgetting to floss a couple of times a week? No big deal. Accidentally sending a snarky email about your … Continue Reading