Credit & Loans

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

    Your credit report is almost like a report card for your debt history. It shows your personal information, including name and address. It also lists all your creditors with current balances, those with paid-off balances from the last 7-10 years, and those accounts that are in arrears.
  2. Don't Judge Your Partner Based On Credit Score

    Credit scores indicate past behavior but don't necessarily reflect present or future behavior, so don't judge you partner solely on credit.
  3. Who is eligible for student loan forgiveness?

    Your eligibility for student loan forgiveness depends on the type of student loan in question. If you have a federal Stafford loan, you may be able to get all or part of your loan forgiven through certain types of volunteer work, public service, military service or medical practice.By volunteering through ...
  4. What New Student Loan Repayment Options Mean

    American college graduates are facing an increasing amount of student loan debt. There are new rules for repaying that debt. Here's what you need to know.
  5. A Pre-Retirement Checkup

    Are you on track to post-work bliss? We'll tell you how to find out.
  6. Net Worth Throughout Your Life

    Here are some estimates of what your net worth should be at certain stages of your life, depending on how much you earn for income.
  7. How Credit Cards Will Change In 2013

    From new technology to improved safety features, here are some updates you can expect to see in 2013.
  8. Students: Don't Be Afraid Of Your Net Worth

    Even if you are a student and aren't earning income, you still need to be aware of your net worth.
  9. How To Improve Net Worth By Decreasing Liabilities

    Here's an analysis of how to adjust liabilities and assets to improve net worth.
  10. 8 Tips To Help You Control Holiday Spending

    These tips will have you singing "Joy to the World" well into the New Year.
  11. 3 Banking Moves You Should Make Before Traveling

    Putting your finances in order should be one of your top priorities before traveling out of the country.
  12. How To Reduce Holiday Debt

    Holiday expenses can drown you in debt. Find out how to avoid this festive spending hangover.
  13. Benefits Of Paying Off Your Mortgage

    Paying off your mortgage in a reasonable amount of time can result in financial security and freedom.
  14. Why Credit Card Debt Levels Are Rising

    From increased spending to interest rates, here are some reasons American's credit card debt levels are still rising.
  15. What is a reasonable amount of debt?

    It really depends on numerous factors - what stage of life you are at, your spending and saving habits, the stability of your job and your career prospects, your financial obligations and so on. But to keep it simple, let's assume that you are employed in a stable occupation, have no extravagant habits ...
  16. Advantages And Disadvantages Of Using A Mortgage Broker

    Mortgage brokers may be able to find you the loan of your dreams, but you should consider the potential downsides before hiring one.
  17. Small Business Financing: Debt Or Equity?

    There are two sources of financing for small businesses: debt and equity financing. This article explains both.
  18. Bankruptcy

    Learn what happens when an individual or an organization files for bankruptcy.
  19. How To Create A Financial Bucket List

    This article discusses things you may want to include on your financial bucket list.
  20. How Lender Overlays Prevent Mortgages

    Loan applications are increasingly being rejected because of lender overlays.
  21. Does paying my utility bills on time improve my credit score?

    The bad news for consumers is that, typically, utility bills only appear on a credit report when they're delinquent. In most states, providers aren't obligated to regularly report payment histories to the major credit bureaus – in fact, there are significant disincentives for doing so.
  22. Unexpected Things That Lower Your Credit Score

    Learn how to avoid these lesser-known mistakes that could harm your credit score.
  23. Retirement Savings Tips For Young People

    Learn how to avoid the bad habits that keep the average young adult from saving.
  24. Boomers Staying In Debt To Retire In Comfort

    There's a growing trend of retiring baby boomers staying in debt in order to maintain their current lifestyles.
  25. 5 Reasons Not To File For Bankruptcy In Your 20s

    Filing for bankruptcy in your 20s is a bad idea. You could miss out on job opportunities and even lose your home.
  26. What About Canada's Housing Bubble?

    Canadians may want to take a closer look at their housing market, lest it experience the same problems as the United States'.
  27. 5 Ways To Fund A College Education

    You can go to college without going broke, but it may take an unconventional approach.
  28. Is Loan Protection Insurance Right For You?

    This coverage can keep you from defaulting on your loans when you're in financial trouble.
  29. Protect Your Personal Assets

    A family limited partnership (FLP) can go a long way toward securing your family's property.
  30. RFID Credit Cards: Is Your Identity Safe?

    Smart cards may offer new ways for thieves to steal your identity.
  31. Residual Income

    Discover why this simple calculation can determine whether or not you are eligibe for a loan.
  32. What credit cards offer the lowest interest rates?

    When it comes to picking out a credit card, there are number of factors to consider. From annual fees to perks like cash back and airplane miles, every credit card account is different. Perhaps the biggest factor consumers should focus on is the card's interest rate. Expressed as an annual percentage ...
  33. To Invest Or To Reduce Debt, That's The Question

    Find out how you can make use of that excess cash and improve your financial situation.
  34. Things You Didn't Know About Background Checks

    Employers may look into more than you might think before deciding whether or not to hire you.
  35. Negotiating A Debt Settlement

    If you're being harassed by a debt-collection agency, you can take charge. Find out how.
  36. What You Should Know About Home Appraisals

    Home appraisals are an unbiased way to determine a home's value. Here is what you need to know about obtaining one.
  37. Watch Out For Changes In Credit Card Agreements

    If a credit card company changes its terms, you could pay a steep price. Find out how to stay informed.
  38. 5 College Scholarships You Could Qualify For

    Here are some scholarships that may be attainable for those of us who aren't star athletes or honors students.
  39. Reverse Mortgage

    Learn more about this method of borrowing money against the value of your home.
  40. I want to transfer my house title to my child, what are the costs and tax consequences ...

    The costs associated with a deed transfer will vary by state and by how the transfer is accomplished. Filing a deed yourself may be the cheapest method, but it will require quite a bit of homework to ensure you have filled out and correctly filed the appropriate paperwork.
  41. Which Credit Reporting Sites Can You Trust?

    It can be difficult to determine the best place to find out your credit score. Here are some tips to help you along the way.
  42. The Alphabet Soup Of Credit Derivative Indexes

    Find out how these instruments work and how they are used in the market.
  43. A Tax Primer For Homeowners

    Go beyond interest and find out how mortgage points affect your taxable income.
  44. 7 Tips For The Do-It-Yourself Debt Manager

    Hired gun not in your budget? Learn to be your own credit counselor.
  45. Debt Consolidation Made Easy

    These five steps can help get you out of debt faster and easier than you'd ever imagined.
  46. What are the biggest factors that can affect my credit score?

    A credit score is a numeric expression that helps lenders estimate the risk of extending credit or loaning money to people. The most common credit score is the FICO score, a measurement based on five factors that affect the credit score:Payment History - 35%A history of on-time payments helps improve ...
  47. Layaway Plans: Get The Goods Without Going Into Debt

    If using a layaway plan keeps you from having to use your credit card, it could be a smart move.
  48. Are Private Student Loans The Next Lending Crisis?

    The CFPB is keeping an eye on the student loan market because it believes it uses the same lending policies as mortgage lenders did during the subprime lending crisis.
  49. There's Help Coming For Your Credit Report

    Soon, there will be another body protecting consumers when it comes to credit scores. Here are some new things to know about getting a credit report in the future.
  50. Spotting Credit-Repair Scams

    Credit repair scams are common in today's debt-reliant world. Don't be a victim!
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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