Credit & Loans

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

    Learn about the characteristics of a home equity loan and how it can be used to help you pay off your outstanding credit ...
  2. 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 ...
  3. How can I avoid paying unnecessary credit card fees?

    Examine different strategies for reducing fees on credit cards. Learn about the Consumer Financial Protection Bureau and ...
  4. 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 ...
  5. 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, ...
  6. 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 ...
  7. 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 ...
  8. How do I start building a credit score?

    Find out how to build a credit score, which type of credit score is best to start out with and what the most vital element ...
  9. 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 ...
  10. 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 ...
  11. 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 ...
  12. 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 ...
  13. What are the differences between revolving credit and installment credit?

    Discover how to distinguish between installment credit loans and revolving credit loans, and learn how they affect your credit ...
  14. 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 ...
  15. 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 ...
  16. What is the difference between certified and non-certified private student loans?

    Learn the main differences between certified and non-certified private student loans, and see why non-certified student loans ...
  17. 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 ...
  18. What's the difference between debt consolidation and debt settlement?

    Learn the differences between negotiating a debt settlement with your existing creditors and applying for a new consolidation ...
  19. What are the differences between a home equity line of credit (HELOC) and a home ...

    Learn the differences between a home equity loan and a home equity line of credit, and find out how to select the one that ...
  20. 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 ...
  21. 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 ...
  22. 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 ...
  23. 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 ...
  24. What are some examples of good situations in which to use revolving credit?

    Learn how to use revolving credit responsibly, and find out how to avoid major credit problems with your revolving credit ...
  25. 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, ...
  26. What’s the difference between overdraft protection and overdraft settings?

    Learn what overdraft settings are, how they impact your relationship with your bank and how they govern the overdraft protections ...
  27. 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.
  28. 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 ...
  29. What legal action can I take against a debt collector?

    Find out what legal recourse is available to you as a consumer if you are being harassed by a debt collector that has violated ...
  30. 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 ...
  31. 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 ...
  32. 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 ...
  33. 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 ...
  34. 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 ...
  35. What are some examples of a debt management plan (DMP)?

    Learn about some of the different types of debt management plans, and what you should look for when you evaluate a credit ...
  36. 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 ...
  37. Transferring Credit Card Balances To A New Card

    Before you take advantage of that new credit card's 0% interest balance transfer offer, read our step-by-step guide.
  38. How Sallie Mae Affects Student Loans

    Sallie Mae, which has financed many a college education, originally was a federally chartered government sponsored enterprise. ...
  39. 7 Ways To Protect Against Credit Card Hacks

    If you haven't been hacked yet, it may just be a matter of time. Here's how to protect yourself as much as possible before ...
  40. Credit Card Breach: How To Stay Safe

    You learn that credit card numbers have been stolen from a store you use. How to protect yourself in general – and what to ...
  41. Do Your Card's Travel Benefits Make The Grade?

    If you take frequent trips, it pays to evaluate the different travel benefits that a credit card offers – from airline miles ...
  42. How long does it take for items to show up on my credit report?

    Find out how long missed payments, collections and requests for credit take to show up on a credit report and how often most ...
  43. Should I apply for student loans if I haven't finished applying for scholarships ...

    Apply to a variety of financial help sources by submitting a Free Application for Federal Student Aid form, which will be ...
  44. Who is eligible to take out federal student loans?

    Fill out the Free Application for Federal Student Aid every year to determine eligibility for federal aid, including student ...
  45. If a collection agency buys my debt from another agency, does the debt become 'new'?

    Find out what happens when your debt account is sold from one collection agency to another and the impact on your balance ...
  46. What information do lenders need when I apply for a credit limit increase?

    Increase your credit limit by making sure your current credit is paid on time and by paying the largest amount you can afford ...
  47. Can a business charge me an extra fee for paying with my credit card instead of cash?

    Learn about credit card surcharges by retailers, in which states this practice is permitted and the judicial decision that ...
  48. How long does information stay on my credit report?

    Understand how long different types of information stay on your individual or business credit report according to the rules ...
  49. How do debt collection agencies make money?

    Find out how a collection agency makes money, what rules it is bound by, and when it can take a pay check or garnish a bank ...
  50. What are some examples of 'gray' charges on my credit card statement?

    Read credit card statements carefully to avoid gray charges. Find the fine print before making online purchases, and remember ...
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