Personal Finance FAQs

  1. What are the main categories of debt?

  2. What are the Social Security tax caps?

  3. Does shopping for the best interest rate affect my credit score?

  4. What are the pros and cons of consolidating my student loans?

  5. What are the differences between revolving credit and installment credit?

  6. What's more important to lenders, my credit score or my credit report?

  7. Which debts are covered under consumer protection laws?

  8. In what states are high-cost payday loans illegal?

  9. Does every inquiry affect a credit score?

  10. What’s the difference between federal and private student loans?

  11. What are the differences between revolving credit and a line of credit?

  12. What are some examples of credit report errors that I can dispute?

  13. What legal action can I take against a debt collector?

  14. What is the difference between an in-store and an online payday loan?

  15. What are some signs that I need debt / credit counseling?

  16. What’s the difference between the two federal student loan programs (FFEL and Direct)?

  17. What are some examples of good situations in which to use revolving credit?

  18. What are the best ways to rebuild my credit score quickly?

  19. What are the differences between balance-to-limit ratio and debt-to-income ratio?

  20. What are some examples of common credit card reward program benefits?

  21. Why are EMV cards more secure than traditional debit and credit cards?

  22. What are some examples of a debt management plan (DMP)?

  23. What’s the difference between a consumer disclosure and a credit report?

  24. How do secured credit cards help me build my credit score?

  25. What are some tips for getting the most out of my credit card rewards program?

  26. What special powers does the government have to collect student loans?

  27. What are my rights under the Fair Debt Collection Practices Act (FDCPA)?

  28. Will a debt settlement program affect my credit score?

  29. Are credit card rewards considered taxable income by the IRS?

  30. What transactions cannot be made using prepaid credit cards?

  31. What are the most common sources of funds given in a financial aid award letter?

  32. What's the difference between a secured line of credit and an unsecured line of credit?

  33. What's the difference between debt consolidation and debt settlement?

  34. How does refinancing my mortgage affect my FICO score?

  35. How do I check the balance on my prepaid credit card?

  36. What factors do schools consider when awarding financial aid?

  37. How will bankruptcy affect my ability to get credit in the future?

  38. What are some good alternatives to taking out a line of credit?

  39. Is a home equity loan a good way to pay off my credit card debt?

  40. Does shopping for student loans affect my credit score?

  41. What are some examples of a good time to take out a payday loan?

  42. Can I use a prepaid credit card to pay bills or to transfer money to other accounts?

  43. What are some examples of overdraft protection?

  44. What are the differences between payday loans and cash advances?

  45. What are the differences between a home equity line of credit (HELOC) and a home ...

  46. What are some examples of debts that I can consolidate?

  47. How will debt settlement affect my credit score?

  48. What are Social Security Credits for and how can I earn them?

  49. What are some examples of sneaky credit card charges to watch out for?

  50. How do I get my free credit report and score from each credit bureau?

  51. How do Pay As You Go pension plans work?

  52. What are some examples of a good time to take out a home equity line of credit (HELOC)?

  53. How do debt relief options affect my credit score?

  54. How can I receive my Social Security benefits if I want to retire outside the U.S?

  55. How can I avoid paying unnecessary credit card fees?

  56. Who is eligible for a Teacher Retirement?

  57. What is the difference between a loan and a line of credit?

  58. What are the different types of annual percentage ratings (APR)?

  59. What is the difference between credit rating and equity research?

  60. When am I eligible to receive Social Security benefits?

  61. What's the difference between a financial advisor and a financial planner?

  62. What are the main benefits of a Locked-in Retirement Account (LIRA)?

  63. What are the advantages of using a home-equity debt consolidation loan?

  64. Why is APR used to compare long-term loans?

  65. What's the difference between a credit rating agency and a credit bureau?

  66. How does my spousal Social Security benefit work?

  67. How is the Social Security trust fund invested?

  68. How do I determine whether a debt consolidation loan is a good debt relief option?

  69. What is the difference between overdraft and cash credit?

  70. How do I file a proof of claim against someone who has filed bankruptcy?

  71. How do Social Security benefits for widows or widowers work?

  72. What's the difference between a credit rating and a credit score?

  73. What are the best ways to plan for retirement?

  74. How can I consolidate my unsecured debt?

  75. What’s the difference between overdraft protection and overdraft settings?

  76. How often can I file bankruptcy?

  77. How do Social Security survivor benefits work?

  78. What do the letters / symbols on credit ratings mean?

  79. What are the advantages of applying for a private student loan with a creditworthy ...

  80. What is the difference between secured and unsecured debts?

  81. What are the differences between the three national credit bureaus?

  82. How do I find a good personal bankruptcy lawyer?

  83. How do I know what Social Security benefits I am eligible for?

  84. What's the difference between credit score and credit history?

  85. How long are credit ratings valid?

  86. How are my cosigners affected if I file bankruptcy?

  87. What does "full retirement age" mean in regards to Social Security?

  88. Is it possible to collect spousal Social Security benefits before I collect my own?

  89. When is it optimal to take my widow's Social Security benefit?

  90. What are some common catches that come with credit card reward programs?

  91. How much will it cost to hire an accountant to do my taxes?

  92. How is interest charged on most lines of credit?

  93. Will filing bankruptcy stop an eviction?

  94. Is the Social Security trust fund solvent?

  95. Will my student loan be canceled (discharged) if I die?

  96. Are Social Security survivor benefits for children considered taxable income?

  97. What happens to a Locked-In Retirement Account (LIRA) in the case of a divorce or ...

  98. Can I erase my student loans by filing for bankruptcy?

  99. Are fringe benefits direct or indirect costs?

  100. Does a good credit rating guarantee repayment?

  101. How are fringe benefits calculated?

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