Credit & Loans

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  1. 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 ...
  2. What are the different types of annual percentage ratings (APR)?

    Learn the differences between annual percentage rate, annual percentage yield and effective annual rate to compare interest ...
  3. 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 ...
  4. What do the letters / symbols on credit ratings mean?

    Learn about the numbers, letters and symbols used to express credit ratings and credit scores. Understand what these symbols ...
  5. 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 ...
  6. 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 ...
  7. 7 Times It Costs More To Pay With A Credit Card

    Paying with credit cards can cost you more. Some merchants add an extra surcharge or convenience fee onto each transaction.
  8. How Does A Reverse Mortgage Work?

    The basics of getting a reverse mortgage, with detailed information on how to qualify and what to watch out for.
  9. 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.
  10. How Sallie Mae Affects Student Loans

    Sallie Mae, which has financed many a college education, originally was a federally chartered government sponsored enterprise. ...
  11. 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 ...
  12. 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 ...
  13. 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 ...
  14. 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 ...
  15. 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 ...
  16. 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 ...
  17. Is it possible to have a credit limit that's too high?

    Avoid these pitfalls when working with high credit limits, and learn how to increase your credit score by increasing your ...
  18. 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 ...
  19. 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 ...
  20. 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 ...
  21. 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 ...
  22. 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 ...
  23. 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 ...
  24. 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 ...
  25. 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 ...
  26. 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 ...
  27. 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 ...
  28. 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 ...
  29. 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 ...
  30. 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 ...
  31. 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 ...
  32. 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 ...
  33. 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 ...
  34. 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 ...
  35. 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 ...
  36. 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 ...
  37. 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 ...
  38. 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 ...
  39. How often is my credit score updated?

    Discover how often credit bureaus update credit scores, change credit information and receive updates from lending agencies ...
  40. 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 ...
  41. 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 ...
  42. Can I keep my credit cards after filing bankruptcy?

    Learn what happens to your credit cards after you file bankruptcy, and see when it might be possible to keep your card after ...
  43. 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 ...
  44. 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 ...
  45. 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 ...
  46. Who regulates a credit rating agency?

    Find out how American and international regulators interact with Credit Rating Agencies, and learn about the rules adopted ...
  47. 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 ...
  48. How can I improve my chances of getting a credit limit increase?

    Learn how to improve your chances of being approved for a credit limit increase by understanding what lenders are looking ...
  49. 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 ...
  50. 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 ...
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