Personal Finance FAQs

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

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

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

  4. What's the difference between credit reports and investigative consumer reports?

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

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

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

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

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

  10. How will debt settlement affect my credit score?

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

  12. Do I still owe debt collectors for a debt that's past the statute of limitations for my state?

  13. What are the main categories of debt?

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

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

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

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

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

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

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

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

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

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

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

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

  26. How do I start building a credit score?

  27. Does every inquiry affect a credit score?

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

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

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

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

  32. What debts don't have a statute of limitations applied to them?

  33. How can I increase my FICO score?

  34. How long do typical debt management plans take to pay off debt?

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

  36. Should I apply for student loans if I haven't finished applying for scholarships and grants?

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

  38. Is my credit score usually checked before receiving a payday loan?

  39. What are the basic requirements to qualify for a payday loan?

  40. Do payday loans hurt my ability to get a mortgage?

  41. What are the most common reasons credit limit increase requests are declined?

  42. How can I improve my chances of getting a credit limit increase?

  43. If a collection agency buys my debt from another agency, does the debt become 'new'?

  44. When does the statute of limitations clock start on my debts?

  45. Can I keep my credit cards after filing bankruptcy?

  46. Can I still use my credit cards if I'm on a debt management program?

  47. Does interest on my student loan accumulate during forbearance?

  48. Why are private student loans generally more expensive than federal loans?

  49. Who is eligible to take out federal student loans?

  50. What is the difference between available credit and credit limit?

  51. Can a business charge me an extra fee for paying with my credit card instead of cash?

  52. Are debt collectors allowed to call me at work?

  53. What are some examples of 'gray' charges on my credit card statement?

  54. Are 'gray' credit card charges legal?

  55. Will using an overdraft hurt my credit score?

  56. Why are there three national credit bureaus?

  57. How long does it take for items to show up on my credit report?

  58. Why should I register a prepaid credit card?

  59. What information do lenders need when I apply for a credit limit increase?

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

  61. How long does information stay on my credit report?

  62. How will accepting a higher credit card limit affect my credit score?

  63. Do I need to know all three of my credit scores?

  64. How often is my credit score updated?

  65. Does cosigning a loan affect a credit score?

  66. Do inquiries for preapproved offers affect my credit score?

  67. Why don't I have a credit score?

  68. How do debt collection agencies make money?

  69. Can debt collectors add fees to my debt?

  70. Where is the cost of living lowest in the U.S?

  71. What are the requirements for an FHA loan?

  72. What is the difference between a prepaid credit card and a gift card?

  73. What are the requirements to apply for a reverse mortgage loan?

  74. What is the difference between a state and a federally chartered credit union?

  75. Is it legal to invest my student loan money?

  76. What is the difference between an interest rate and an annual percentage rate (APR)?

  77. What is the cost of living difference between Texas and California?

  78. What alternatives are there to a reverse mortgage?

  79. Can 529 plans be used to transfer wealth to other family members if the original beneficiary does not use the money?

  80. What is a typical day in the life of a stockbroker, from start to finish?

  81. Will having several credit cards hurt my credit score?

  82. What are the best ways to invest in mortgage-backed securities (MBS)?

  83. What's considered to be a good debt-to-income (DTI) ratio?

  84. What's a better way to borrow money: overdraft or credit cards?

  85. What are the pros and cons of overdraft protection?

  86. If I want to have some cash in a liquid account for unexpected emergencies, what is best? A savings account or another type?

  87. What is the difference between a credit report and a credit score?

  88. What is a reasonable amount of debt?

  89. When buying a car, is it better to have a trade in or a down payment?

  90. Does paying my utility bills on time improve my credit score?

  91. If I am looking to get an Investment Banking job. What education do employers prefer? MBA or CFA?

  92. What credit cards offer the lowest interest rates?

  93. Why should I pay myself first?

  94. What are the biggest factors that can affect my credit score?

  95. Demonstrate, using equations from the Dupont or similar ratio model ...

  96. You are analyzing a small company's financials, and notice that the bookkeeper made the following entry

  97. If an investor has a required rate of return of 10% on a 20-year zero ...

  98. It is now 6 month after you just purchased a $1,000 face value TIPS ...

  99. Which one of the following uses of the "CFA" trademark is correct ...

  100. Price taker markets differ from price searcher markets because in a price taker market ...

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