Credit & Loans

  1. Are 'gray' credit card charges legal?

    Are 'gray' credit card charges legal?

    Read the fine print and all credit card statements carefully to avoid misleading charges that often go unnoticed on credit ...
  2. What is a good credit utilization ratio?

    What is a good credit utilization ratio?

    Understand how to calculate your credit utilization ratio, and learn the impact it has on your credit score as well as the ...
  3. What property / belongings can I keep after filing bankruptcy?

    What property / belongings can I keep after filing bankruptcy?

    Discover which types of property you can keep after filing bankruptcy by listing them as exempt from normal liquidation proceedings.
  4. Will using an overdraft hurt my credit score?

    Will using an overdraft hurt my credit score?

    Find out if overdrafting a bank account hurts a credit score, how reporting is handled and if a consumer is able to dispute ...
  5. Why is my rent on my credit report?

    Why is my rent on my credit report?

    Find out how, when and why your rental history is included in your consumer credit report and how lenders can use that information ...
  6. Who regulates a credit rating agency?

    Who regulates a credit rating agency?

    Find out how American and international regulators interact with Credit Rating Agencies, and learn about the rules adopted ...
  7. How are my cosigners affected if I file bankruptcy?

    How are my cosigners affected if I file bankruptcy?

    Learn how cosigners and guarantors are affected by bankruptcy filings and how cosigner treatment changes based on the type ...
  8. Why should I register a prepaid credit card?

    Why should I register a prepaid credit card?

    Explore reasons why registering a prepaid credit card is a good idea. Learn about protection if the card is lost or stolen ...
  9. How do credit bureaus make money?

    How do credit bureaus make money?

    Take a closer look at how credit bureaus make money, and learn about the kind of services they provide to both lenders and ...
  10. How long do typical debt management plans take to pay off debt?

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

    Find out more about how debt management plans are administered and what circumstances determine how long a management plan ...
  11. What are the most common reasons credit limit increase requests are declined?

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

    Learn about reasons why a request to increase the credit limit on a credit card may be declined, and find out which factors ...
  12. What fees usually come with prepaid credit cards?

    What fees usually come with prepaid credit cards?

    Choose a prepaid debit card with a fee structure that doesn't eat away at the existing balance by considering how you intend ...
  13. Why are there three national credit bureaus?

    Why are there three national credit bureaus?

    Discover why "big three" credit bureaus Experian, TransUnion and Equifax dominate the credit reporting market and how they ...
  14. How does debt consolidation lower my monthly payments?

    How does debt consolidation lower my monthly payments?

    Find out how combining your debts into a single debt consolidation loan might actually lower the total amount you have to ...
  15. Dealing With An Underwater Mortgage During Divorce

    Dealing With An Underwater Mortgage During Divorce

    Going through a divorce is chaotic enough, but throw in a house with an underwater mortgage and things get particularly messy.
  16. Best Ways To Repair Your Credit Score

    Best Ways To Repair Your Credit Score

    Follow these 6 steps and you'll be on your way to a better credit score.
  17. What should you consider before taking a loan on your Registered Retirement Savings ...

    What should you consider before taking a loan on your Registered Retirement Savings ...

    Learn about the primary factors you should consider before deciding to take out a loan from your Registered Retirement Savings ...
  18. How does a Registered Retirement Savings Plan (RRSP) loan work?

    How does a Registered Retirement Savings Plan (RRSP) loan work?

    Discover some of the most common and useful ways to take out a loan from your Registered Retirement Savings Plan without ...
  19. 7 Ways To Save Money On Business Travel

    7 Ways To Save Money On Business Travel

    Business travel is soaring, especially in America. But though business travel is great for the economy, it's not so kind ...
  20. 10 Steps For First-Time Home Buyers

    10 Steps For First-Time Home Buyers

    It's probably the biggest purchase you've ever made. Here's exactly what to do to prepare yourself and get the best possible ...
  21. Credit Cards With Travel Insurance

    Credit Cards With Travel Insurance

    Some credit cards offer travel coverage, which may include trip cancellations, lost baggage and rental-car damages. Just ...
  22. 3 Money Moves To Make Before A Career Change

    3 Money Moves To Make Before A Career Change

    One of the measures of a healthy economy is workers' confidence in their ability to leave a job and find other employment. ...
  23. 8 Common Refinance Mistakes

    As mortgage rates creep higher, there's still time to dump your mortgage rate for a lower one. But don't ruin your chance ...
  24. Is Cash Or Credit Better For European Trips?

    Is Cash Or Credit Better For European Trips?

    If you're traveling to Europe, make sure you have a widely accepted credit card that uses chip technology. It doesn't hurt ...
  25. When Is A Franchise The Right Investment For You?

    When Is A Franchise The Right Investment For You?

    Do you have the right mix of credit, capital and business savvy to make you an ideal candidate for buying a franchise?
  26. Are You A Target For Identity Thieves?

    Are You A Target For Identity Thieves?

    The Americans at highest risk for identity theft and identity fraud aren't the ones you most expect. See if you're on the ...
  27. Avoid Becoming An Identity Thief's Next Victim

    Avoid Becoming An Identity Thief's Next Victim

    Use these 7 techniques to keep yourself under the radar and out of the way of identity thieves.
  28. Steps To Retiring With A Reverse Mortgage

    Steps To Retiring With A Reverse Mortgage

    Follow this simple six-step guide to investigating a reverse mortgage. And be sure to compare it to other ways home equity ...
  29. Best Business Credit Cards

    Best Business Credit Cards

    Even the best business cards aren't all alike. Choose the card – or cards – with features that yield the most for how your ...
  30. 3 Credit Card Benefits You’re Paying For But Not Using

    Unnecessary expenses are easy to eliminate once you look at your spending, but not all expenses are obvious, especially when ...
  31. An Investor's Guide To Bank Stress-Testing

    An Investor's Guide To Bank Stress-Testing

    Just how are bank stress tests performed and what is the logic behind them? And is a stress test useful for evaluating a ...
  32. 5 Biggest Money Mistakes & How To Fix Them Fast

    Financial mistakes - like most mistakes in life - can generally be avoided with forethought, planning and self-discipline. ...
  33. 5 Top Alternatives To A Reverse Mortgage

    5 Top Alternatives To A Reverse Mortgage

    If you have substantial home equity and don't want to do a reverse mortgage to tap it for retirement expenses, cost out these ...
  34. Reverse Mortgage Or Home-Equity Loan?

    Reverse Mortgage Or Home-Equity Loan?

    If you have equity in your home and need more cash in retirement, a reverse mortgage – or home-equity loan or line of credit ...
  35. 9 Ways To Improve Your Credit Score Today

    When it comes to finances, there are a number of goals that you might have established, such as saving money, paying down ...
  36. Credits For First-Time Home Buyers

    Credits For First-Time Home Buyers

    To encourage Americans to buy their first homes, the government offers credits and tax breaks. Even better, you may not need ...
  37. Build Your Credit Score

    Build Your Credit Score

    Here are four good ways to build your credit score when you're starting from scratch. Do it right and you'll end up with ...
  38. 7 Weirdest Things You Can Buy With Rewards Points

    Delve into the world of rewards credit cards and it becomes easy to see how enough points can pay their way toward heavily ...
  39. The 5 Things You Never Knew About Auto Loan Rates

    Buying a new car is an important decision, and if you're a savvy auto buyer, you know that getting a good deal involves more ...
  40. Finding And Investing In FHA Condos

    Finding And Investing In FHA Condos

    Interested in a buying an FHA-approved condo? Read this first.
  41. Saving Money Or Paying Off Debt?

    When choosing between blasting through debt and establishing precautionary funds in case of an emergency, the right course ...
  42. How To Refinance If Your Home Appraisal Is Too Low

    When you take out a mortgage on a home or refinance an existing mortgage, most lenders want a loan-to-value ratio (LTV) of ...
  43. All Your Questions About Loan Interest Rates

    If you think interest rates don’t really matter -- think again. Interest rates have a huge impact on your finances.
  44. 7 Secret Fees Cutting Into Your Travel Budget

    We're in the midst of the travel-planning season, as solo travelers and families gear up for domestic and international holiday ...
  45. Perkins Loan Vs. Stafford Loan

    Perkins Loan Vs. Stafford Loan

    If you qualify for both of these student loans – a Stafford and a Perkins – which one should you try to get? It depends on ...
  46. Which Home Updates Tend to Make Back their Money?

    Which Home Updates Tend to Make Back their Money?

    Do you want to revitalize your kitchen and bathroom this year? If you’re planning to sell your home, these rooms will be ...
  47. Stafford Loan Limits

    Stafford Loan Limits

    How much you can borrow with a Stafford loan depends on your grade level in college, whether you're an undergraduate or grad ...
  48. How are real estate taxes calculated?

    Find out how real estate taxes are calculated; failure to pay these taxes that can be a substantial annual expense can lead ...
  49. What does FNMA stand for?

    Learn what FNMA is, how it helps low-, moderate- and middle-income families afford a place to live using mortgage liquidity, ...
  50. What is the difference between a prepaid credit card and a gift card?

    Although prepaid and gift cards are used in the same manner, a prepaid credit card can be used repeatedly, while a gift card ...
Save Money
  1. 5 Ways To Make Your Home Remodels Pay Off

    Here are five ways to make your home renovation worth the money and effort you put into it.
  2. Differences Between Private Foundations And Public Charities

    Here's a look at the differences between these types of charitable organizations.
  3. How To Monetize Your YouTube Channel

    YouTube's Partner Program helps users earn money through their channels. Find out how.
  4. The World's Most Valuable Private Companies

    In spite of the rewards going public can bring, some companies prefer to remain private, and they are very successful in this.
  5. Is Cyber Monday The New Black Friday?

    Cyber Monday is becoming more popular than Black Friday. Here's why.
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