Credit & Loans

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  1. Some credit cards offer travel coverage, which may include trip cancellations, lost baggage and rental car damages.

    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 ...
  2. Does bankruptcy information go on the public record?

    Learn about the public record and whether or not bankruptcy documents are included. Explore situations where certain bankruptcy ...
  3. 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 ...
  4. How will accepting a higher credit card limit affect my credit score?

    Find out if accepting a higher limit on a credit card impacts credit score and how that impact affects one's overall credit ...
  5. What credit card fees are tax deductible?

    Learn about some of the unexpected tax deductions for fees incurred through credit card purchases for both individuals and ...
  6. Can I use credit cards that are on a debt management program?

    Learn how to find out if you can keep, use or apply for credit cards while on a debt management program and what kinds of ...
  7. What are some signs my credit card's annual fee is too high?

    Learn about annual credit card fees, interest rates, introductory rates, balance transfers and member programs available ...
  8. Do unpaid medical bills appear on my credit report?

    Find out if an unpaid medical bill can be reported to a credit bureau, if it affects your credit score and when it is turned ...
  9. Do I need to know all three of my credit scores?

    Find out why it is important to know all three of your credit scores and how these scores can affect credit approvals for ...
  10. 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 ...
  11. 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 ...
  12. 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 ...
  13. 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 ...
  14. How often is my credit score updated?

    Discover how often credit bureaus update credit scores, change credit information and receive updates from lending agencies ...
  15. When does the statute of limitations clock start on my debts?

    Learn how states treat statutes of limitation on consumer debts, and find out what it means if the statute of limitations ...
  16. 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 ...
  17. 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 ...
  18. Does cosigning a loan affect a credit score?

    Find out what can happen to a credit score when a cosignor must take over a debt that he or she cannot afford and what collection ...
  19. What debts don't have a statute of limitations applied to them?

    Learn what it means to have a statute of limitations applied to a debt, and find out which debts typically do not have a ...
  20. Are debt-consolidation loans tax deductible?

    Learn about consolidating debt and whether the interest payments on your debt consolidation loan can be deducted from your ...
  21. 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 ...
  22. Do inquiries for preapproved offers affect my credit score?

    Find out what types of inquiries are on a credit report, if they affect a credit score and how much a score is affected by ...
  23. What debts can I discharge when filing for bankruptcy?

    Discover which types of debt can be discharged through a Chapter 7 or a Chapter 13 bankruptcy and which debts require an ...
  24. Is the interest on a home equity line of credit (HELOC) tax deductible?

    Learn the advantages of using a home equity line of credit, and find out how these low-rate loans also qualify for a tax ...
  25. 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 ...
  26. Why don't I have a credit score?

    Learn about some of the reasons why you might not have a credit score, and find out how you can build a good credit score ...
  27. What debt cannot be discharged when filing for bankruptcy?

    See what kinds of debts cannot be discharged through a bankruptcy and which debts are very difficult to discharge unless ...
  28. Does interest on my student loan accumulate during forbearance?

    Learn the differences between student loan deferment and forbearance and how interest accumulates on the principal loan balance ...
  29. Are secured credit cards accepted everywhere?

    Repair a damaged credit history or establish one by opening a secured credit card account with a collateral deposit into ...
  30. 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.
  31. Is the interest on my student loan tax deductible on my federal income taxes?

    Find out how you can deduct interest payments for qualified student loans from your income taxes, and learn about restrictions ...
  32. What are some common catches that come with credit card reward programs?

    Read the fine print of credit card cash back rewards programs before assuming they are an easy way to cut down on credit ...
  33. 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 ...
  34. Will my student loan be canceled (discharged) if I die?

    Federal loan servicers discharge debts when borrowers die to protect co-signers and spouses, but private lenders are free ...
  35. Can I erase my student loans by filing for bankruptcy?

    Discharging student loans by filing for bankruptcy is highly unlikely, unless an undue financial hardship can be proven, ...
  36. How is interest charged on most lines of credit?

    Learn how most financial institutions calculate interest on lines of credit by using the average daily balance method and ...
  37. Why are private student loans generally more expensive than federal loans?

    Make the right decision between a federal student loan and a private student loan when looking for financial aid for your ...
  38. 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 ...
  39. 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 ...
  40. Are debt collectors allowed to call me at work?

    Find out if and when it is all right for a debt collector to call a debtor at work and how the debtor can make it stop under ...
  41. Can a debt collector contact me about a debt that's no longer on my credit report?

    Learn about the circumstances that allow a debt collector to contact a consumer about a past due debt that is not on a credit ...
  42. Is my credit score usually checked before receiving a payday loan?

    Learn more about how payday lenders operate and whether or not they check your credit score during your loan application ...
  43. Who regulates a credit rating agency?

    Find out how American and international regulators interact with Credit Rating Agencies, and learn about the rules adopted ...
  44. What is the difference between available credit and credit limit?

    Explore the difference between available credit and credit limit and the implications different account balances have on ...
  45. 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 ...
  46. Can debt collectors add fees to my debt?

    Find out when a debt collector is legally allowed to charge interest and fees on a past-due debt and if a debtor can contest ...
  47. What are the basic requirements to qualify for a payday loan?

    Find out the basic requirements to apply and qualify for a payday loan and understand the factors that determine when and ...
  48. 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 ...
  49. Will debt consolidation stop debt collectors and creditors from calling me?

    Explore different debt consolidation options. Learn the effect that different interest rates have on monthly payments and ...
  50. Do payday loans hurt my ability to get a mortgage?

    Find out whether taking out a payday loan could harm your chances of being approved for a mortgage and how lenders find out ...
  51. How can I increase my FICO score?

    Find out about a few simple, consistent ways to improve your credit score, including how to manage your credit card balances ...
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