Tag Archives: credit score

Credit Karma Warns Shoppers Who Get Store Credit Cards for a Discount

It wasn’t that long ago when retail stores would offer you a freebie to open up a credit card account. While this still happens, there has been a shift to retail outlets offering an immediate percentage discount off of a … Continue reading

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Is Quizzle Free Credit Score a Scam or Legit?

Many people have come to realize that your credit score can be quite important to save money when you are trying to get certain types of loans. A good credit score can mean paying thousands of dollars less in interest … Continue reading

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Cancelling Target Stolen Credit Card Shouldn’t Hurt Your Credit Score

Anyone who has shopped at Target during the holiday season (November 29 through December 15, 2013) and used a credit card or debit card (including the Target Red Card) for the transaction has likely had their information compromised. There are … Continue reading

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Money Management from A to Z

By Jamie Englert Managing your finances may seem like a dizzying mass of numbers. But you can also think of personal finance in terms of letters, as in the initials of some important personal finance terms to know. From bonds … Continue reading

Posted in Budgeting, Credit Cards, Debt, Insurance, Investing, Personal Finance, Saving Money, Timeshares | Tagged , , , , , , , , | Leave a comment

21 Reasons Dave Ramsey Sucks at Giving Credit Score Advice

There are huge disadvantages of having no credit score. I actually know this better than most. After living over ten years in Japan, I came back to the US naively assuming that the credit history I had built over there … Continue reading

Posted in Budgeting, Credit Cards, Debt, Education, Housing, Insurance, Personal Finance, Saving Money, Travel, Work | Tagged , , , , , , , , | 75 Comments

Death by Debt: 25 Ways You’re Killing Your Credit

By Jason Bushey Few sectors of personal finance are as misunderstood as credit. We’ve all been passed on some semblance of how credit score works by our parents, but often those before us are as confused about their scores as … Continue reading

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No Forgiveness for Youthful Stupidity

My neighbor’s child graduated from college this week. When she came over to thank me for the gift I sent, I asked her how the job hunt was going. “Not great,” she sighed. “What happened?” I asked. “Well, I had … Continue reading

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10 Ways to Get a Free Credit Report

Did you know that many people don’t actually know how to obtain a credit report? More importantly, some of them don’t even know why they should check their credit report each year. Credit reports help prove your credit worthiness to … Continue reading

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How A Good Credit Score Can Save You Money

By Bethy Hardeman for Credit Karma You’ve heard it before: You should improve your credit. But do you know just why you should focus on your credit health? It’s not just because you can qualify for credit cards with great … Continue reading

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10 Reasons Getting Out Of Debt Is Worth It

When it comes to reducing your debt, there are a lot of good reasons to pay off debt beyond the obvious. The benefits of becoming debt free are numerous and have to potential to improve a number of areas of … Continue reading

Posted in Debt, Personal Finance, Saving Money | Tagged , , , , , , | 9 Comments

What to Expect When Getting Pre-Approved for a Mortgage

This is a guest post from Little Miss Moneybags If you’re house-hunting, a mortgage pre-approval is a great thing to have in your back pocket. It shows real estate agents and sellers that you’re serious, and can help move the … Continue reading

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Don’t Let Your College Student Graduate with Debt

Financial responsibility is a crucial part of the college experience for those attending both university online and on campus, yet some personal finance skills remain foreign to students as they prepare for college. Parents have the task of preparing their … Continue reading

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Dave Ramsey Financial Peace University: Week 5

This week’s lecture was about credit reports, credit reporting bureaus, identity theft, and collection agencies. Quite a scattering of topics. The first part of the class was on credit scores and credit bureaus. Dave makes the point that a FICO … Continue reading

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A Life Without Debt: Five Myths About Being Debt Free

Most people seem to have a lot of false beliefs about being debt free. They seem to think that those of us who are debt free never have to worry about money, or that we are somehow free from the … Continue reading

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A Life Without Debt: Think Before Marrying Debt

I married a man just like me. He had no debt going into our marriage and no desire to incur any. This has made it very easy for us to create a financial life together that we both agree on … Continue reading

Posted in Budgeting, Credit Cards, Debt, Personal Finance, Relationships | Tagged , , , , , , , , , | 11 Comments

A Life Without Debt: Not Immune From The Credit Crisis

I knew it was bound to happen, but I’d been hoping that somehow I’d avoid it. Despite having excellent credit and no debt, we got a letter from one of our credit card companies dropping our limit from $10,000 to … Continue reading

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A Life Without Debt: A High Credit Score

I know that many people believe that you have to have debt in order to have a high credit score. Many people keep their debt just so they can keep their score up (so they can get more credit later). … Continue reading

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A Life Without Debt: Simple Credit Reports

It takes my neighbor hours to pay all her bills while being debt free keeps me from that onerous chore, saving me valuable time. The same neighbor taught me about another time saving aspect of being debt free. This neighbor … Continue reading

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The Death of FICO?

Last week, Sadie wrote about how debt free living means not being a slave to a FICO score. In the article, she pointed out that FICO has become such an integral part of our lives that even the debt free … Continue reading

Posted in Credit Cards, Debt, Insurance, Personal Finance, Utilities | Tagged , , , , , , , , , | 7 Comments