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Listing of Our Credit/Debt/Loans Blog Articles

Listing of Our Credit/Debt/Loans Blog Articles

List of Posts By Date

Do You Have Too Much Debt?

Wondering if you have too much debt? Looking into your debt-to-income ratio can help answer your question.

How Will Debt Settlement Affect My Credit Score?

Debt settlement typically has a negative impact on your credit score.

How Many Credit Cards Should You Have?

Should you have more than one credit card? If you’ve ever spent your way into a massive pile of credit card debt, you probably know the answer: No! However, there are reasons why the answer may be: Yes!

Nursing Homes Are Suing Friends and Family to Collect on Patients' Bills

The nursing home industry has quietly developed what consumer attorneys and patient advocates say is a pernicious strategy of pursuing family and friends of patients despite federal law that was enacted to protect them from debt collectors.

Skip the credit card and pay online with one of these 5 safer options

There are several ways to pay online that are safer and easier than using your card.

Are Your Retirement Accounts Protected From Creditors?

This becomes an issue if you are forced to declare bankruptcy or you owe money after a legal action is brought against you.

How to Plan Your Travel Rewards Card Strategy

There are many different types of credit card rewards. If you want to focus your efforts on earning travel rewards, you should create a credit card strategy to maximize the value you get for your spending patterns.

The Dangers of Taking Out a Direct PLUS Loan

While these loans might seem like an easy way for parents to help their child with today's education costs, in far too many cases, they put the parent’s financial security and retirement at risk.

Credit Card Limit Increase vs. Opening a New Account

If you’re looking to improve your credit history and boost your credit scores, you might be mulling over whether to seek a credit card limit increase or open a new line of credit. Both options would increase your total available credit and lower your utilization rate.

Some Things to Know Before Opening a Store Credit Card

We’ve all been there. You’ve got an armful of clothes and you’re watching the total inch up higher and higher. Then the store clerk says: “Would you like to open a credit card for an extra 15 percent off?”

A Story of Stolen Credit Card Information

An analysis of how online thieves steal your credit card information and what can be done to prevent this from happening to you.

You Should Pay Off These Types of Debts First

When finding yourself with extra cash, some analysis is required when deciding which debts to pay off first.

The Safe Way to Cancel a Credit Card

You’ve likely heard that canceling a credit card account could damage your credit score. And while it is true that closing a credit card can impact your score, that isn’t always the case. Here is a cancellation checklist to follow should you decide to do so.

Understanding Credit Card Balance Transfers

While the offer looks great on the surface, people who take advantage of it might find themselves on the hook for unexpected interest charges. Learn the balance transfer math, and the deceptive marketing practices identified by the CFPB.

Five Ways to Control Emotional Spending

For some people, shopping is much more than a pastime - it's actually an addiction called oniomania.

Five Things You Need To Be Pre-approved For A Mortgage

Potential buyers benefit in several ways by consulting with a lender and obtaining a pre-approval letter. Here's how to get pre-approved for a mortgage.

When (and When Not) to Refinance Your Mortgage

Refinancing a mortgage means paying off an existing loan and replacing it with a new one. You might want to evaluate refinancing your mortgage.

Six Ways To Cut The Cost Of Your Car Loan

There are numerous ways to save money on your car payments. Here's how to get a lower cost car loan.

The Six Worst Student Loan Mistakes You Can Make

No one loves the idea of student loans. But they're often a necessary evil - the only option for financing college, which (despite some debate of late) remains the best route for good jobs and rewarding careers.

How a Home-Equity Line of Credit (HELOC) Can Hurt You

If you don't manage your home-equity line of credit prudently, a HELOC can become very expensive and get you into financial trouble.

Should You Lease or Buy Your Next Car?

Many car shoppers are stymied by the decision to lease or buy. Let's see if we can help you with the decision.

Mortgage Interest Rates

Buying a home with a mortgage is probably the largest financial transaction you will enter into. Here's what you need to know about mortgage interest rates.

Are Credit Karma Scores Real and Accurate?

Only you can evaluate whether getting a free credit score is really worth giving up your personal information, especially in an era when hackers are alarmingly successful at getting their hands on that personal data.

What Happens If You Don't Pay Your Student Loans?

Most student loans are guaranteed by the federal government, and the feds have powers about which debt collectors can only dream. Here's why you should pay your student loans.

Credit, Debit and Charge Cards

From a financial perspective, debit and charge cards are structured so that they pose little danger to your financial well-being. Learn how to use the right plastic money.

Reverse Mortgages

When used properly, it can be an effective financial planning solution. If you are approaching or over age 62, you should learn more about reverse mortgages.

Freezing Your Credit File

Now you can freeze your credit file for free. Learn about this new tool to manage your credit.

HELOC and Second Mortgage Loophole

You may still qualify for the Home Equity Line of Credit deduction.

Homebuyer's Guide

Whether you're buying for investment or for a place to live, there are things real estate pros know about buying a home. Learn them so that you can buy your next home like a pro.

Retrieved 29 of 29 Credit/Debt/Loans blog posts