Credit & Loans

  1. What are some examples of overdraft protection?

    What are some examples of overdraft protection?

    Establish overdraft protection plans to ensure that your bills are paid on time. Use overdraft protection carefully to avoid ...
  2. What special powers does the government have to collect student loans?

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

    Contact student loan companies before student loans default, as the government has the power to get its money. Prior to default, ...
  3. What are the best ways to rebuild my credit score quickly?

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

    Repair your credit score more quickly by talking to your lender, increasing the credit limit on your existing credit cards ...
  4. What are some examples of credit report errors that I can dispute?

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

    Discover how to get access to your consumer credit report, identify incorrect information, and communicate with creditors ...
  5. Why is APR used to compare long-term loans?

    Why is APR used to compare long-term loans?

    See what benefits an annual percentage rate, or APR, offers to consumers that other interest rate calculations might not, ...
  6. What are the most common sources of funds given in a financial aid award letter?

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

    Read this article to learn about the four most common sources of funding given in a financial aid award letter sent to a ...
  7. What are the main categories of debt?

    What are the main categories of debt?

    Learn about the different types of debt available for consumers including secured debt, unsecured debt, revolving debt and ...
  8. What’s the difference between a consumer disclosure and a credit report?

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

    Find out why consumer disclosures and credit reports are considered different documents, even though they contain similar ...
  9. What's the difference between credit reports and investigative consumer reports?

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

    Learn about the major differences between two types of risk-evaluation reports: consumer credit reports and investigative ...
  10. What are the differences between balance-to-limit ratio and debt-to-income ratio?

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

    Learn how to differentiate between your balance-to-limit ratio and your debt-to-income ratio, how they are calculated, and ...
  11. Will a debt settlement program affect my credit score?

    Will a debt settlement program affect my credit score?

    Understand the impact of negotiating debt settlements on your credit score, and learn what factors determine the size of ...
  12. How often can I file bankruptcy?

    How often can I file bankruptcy?

    Learn about some of the limitations placed on debtors who are considering filing multiple bankruptcies, particularly if the ...
  13. What is the difference between student loan default and delinquency?

    What is the difference between student loan default and delinquency?

    Learn the differences between simply becoming delinquent on your student loans vs. actually defaulting on your student loan ...
  14. How do secured credit cards help me build my credit score?

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

    Find out how secured credit cards function and why they can be very useful for those looking to build or rebuild their credit ...
  15. How does refinancing my mortgage affect my FICO score?

    How does refinancing my mortgage affect my FICO score?

    Learn some of the ways refinancing your mortgage could impact your FICO credit score, especially if you have held your current ...
  16. What's the difference between a credit rating and a credit score?

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

    Learn about the differences between credit ratings and credit scores, and review how these expressions of creditworthiness ...
  17. What are the pros and cons of consolidating my student loans?

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

    Read about the possible advantages and disadvantages of consolidating your student loan debts, and find out how to determine ...
  18. Are credit card rewards considered taxable income by the IRS?

    Are credit card rewards considered taxable income by the IRS?

    Learn about when the Internal Revenue Service considers the financial value of gifts received from credit card reward programs ...
  19. Does shopping for student loans affect my credit score?

    Does shopping for student loans affect my credit score?

    Discover whether shopping for student loans negatively impacts your credit score, and how concentrating your applications ...
  20. How can I consolidate my unsecured debt?

    Discover some of the different ways that you can combine your present unsecured debts into a consolidation loan -- even by ...
  21. What are the differences between payday loans and cash advances?

    Learn how to differentiate between payday loans and cash advances, identify what risks are associated with each, and find ...
  22. What are some examples of common credit card reward program benefits?

    Learn about different benefits available to credit card holders including cash back, air travel miles, introductory rates, ...
  23. How will debt settlement affect my credit score?

    Learn how a debt settlement arrangement, though sometimes the best option to eliminate an outstanding debt, can negatively ...
  24. What is the difference between secured and unsecured debts?

    Learn the differences between secured and unsecured debt; discover how banks buffer risks associated with each type of loan ...
  25. What's the difference between a secured line of credit and an unsecured line of credit?

    Discover the differences between a secured line of credit and an unsecured line of credit, and why lenders treat the two ...
  26. What are some tips for getting the most out of my credit card rewards program?

    Get tips to get the most out of a credit card rewards programs and discover what the most important factors are when choosing ...
  27. How do debt relief options affect my credit score?

    Learn how different debt relief options – consolidation, settlement, credit counseling and bankruptcy – could affect your ...
  28. What are the drawbacks to debt consolidation?

    Learn more about the potential drawbacks and disadvantages of combining your debts into a single consolidation loan, even ...
  29. What are some good alternatives to taking out a line of credit?

    Read more about how opening a line of credit might not be the best answer for you and determine available alternatives if ...
  30. What transactions cannot be made using prepaid credit cards?

    Find out about the transactions that are restricted when you use a prepaid credit card, and find out about other ways to ...
  31. What's the difference between a credit rating agency and a credit bureau?

    Learn how to differentiate between credit rating agencies and credit bureaus, two industries that distribute valuable risk ...
  32. What are my rights under the Fair Debt Collection Practices Act (FDCPA)?

    Read about the rights and protections granted to you as a debtor under the Fair Debt Collections Practices Act, and learn ...
  33. What are the different types of letters of credit?

    What are the different types of letters of credit?

    Learn more about the different types of letters of credit that are used to facilitate exchanges between parties that might ...
  34. What are the advantages of using a home-equity debt consolidation loan?

    Learn how to use a home equity loan for debt consolidation, and find out how to take advantage of a home equity loan's lower, ...
  35. How do I check the balance on my prepaid credit card?

    Check your prepaid credit card balance quickly using your phone or the Internet. Keeping track of your balance is easy and ...
  36. What's the difference between credit score and credit history?

    Check out the differences between credit score and credit history, and learn how your credit history is used to create your ...
  37. What are some examples of debts that I can consolidate?

    Read about different kinds of debts than can be combined into a consolidation loan, including unsecured debts, secured debts ...
  38. What are some examples of times when I would need a letter of credit?

    What are some examples of times when I would need a letter of credit?

    Learn more about the function of a letter of credit for both the buyer and the seller, and get some examples showing when ...
  39. How do I determine whether a debt consolidation loan is a good debt relief option?

    Determine whether a debt consolidation loan can help you dig yourself out of debt. Learn about the different types of debt ...
  40. Can I use a prepaid credit card to pay bills or to transfer money to other accounts?

    Learn how prepaid credit cards enable convenient bill payments and transfers. Explore different fees charged for such transactions.
  41. Does shopping for the best interest rate affect my credit score?

    Learn about hard and soft credit inquires and how shopping for credit may negatively affect credit scores. Explore strategies ...
  42. What's the difference between a credit bureau and a credit rating agency?

    Learn the differences between credit bureaus that report on individuals' creditworthiness and credit rating agencies that ...
  43. What is the difference between a loan and a line of credit?

    Learn to differentiate between lines of credit and standard loans, and determine when you are likely to use each method of ...
  44. How do I file a proof of claim against someone who has filed bankruptcy?

    Find out how to file a proof of claim as a creditor when someone who owes you money submits a bankruptcy petition, halting ...
  45. What are the differences between APR in Europe and the U.S.?

    Learn how the regulatory authorities in the U.S., the European Union and the U.K. treat the calculation and disclosure of ...
  46. What's the difference between debt consolidation and debt management or debt settlement?

    Learn about different ways of handling debt when you become overwhelmed, including debt consolidation, debt management and ...
  47. What are some examples of sneaky credit card charges to watch out for?

    Review the most common sneaky credit card charges and learn how to protect yourself from unwanted charges from creditors ...
  48. How do I get my free credit report and score from each credit bureau?

    Learn how to obtain copies of your credit report for free from the three credit bureaus and where you might find your credit ...
  49. Do I still owe debt collectors for a debt that's past the statute of limitations ...

    Learn more about the statutes of limitations that govern certain personal debts and why you maintain obligations as a debtor ...
  50. What is the difference between overdraft and cash credit?

    Learn about the uses of the terms ''overdraft'' and ''cash credit,'' and how they represent different financial arrangements ...
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