Unexpected Items That May End Up On Your Credit Report

If you’ve ever scanned your credit report – and you should do so annually – you’ve likely seen all the expected information: name, address, social security number, existing debts and credit applications. If you look closely, though, you may find some surprising information, as well. Here are four items you may be surprised to find on ... More

What Credit Card Companies Don’t Want You To Know

In 2015, a NerdWallet study revealed that the average American had $16,000 in credit card debt. Many try desperately to climb out of the debt hole, only to be sucked back in. While some responsibility must be taken for personal spending decisions, credit card company policies are also holding many people back from wiping out their debts. Read ... More

Can Social Media Hurt Your Credit?

It may sound ridiculous, but your social media profiles could make or break a future credit application. Some lenders have begun using a controversial new methodology for approving or denying loan applications that includes an algorithm to take into account information about your social media networks. Although this practice is not yet ... More

Three Credit Mistakes You Don’t Realize You’re Making

Your credit score is a key indicator of your financial health, and it can make or break your ability to buy a car, a home or even get a personal loan in a time of need. What’s more, some of the supposedly responsible money habits you’ve developed might actually be hurting your credit. If so, you’re not alone. Consumer research shows ... More

Got Stellar Credit? These Credit Cards Are For You

As reward credit cards continue to gain traction among consumers, banks are continually competing against one another for customers. In this case, consumers win – especially those with excellent credit ratings. The following cards offer exceptional rewards packages to those who have maintained excellent credit, especially in the areas of ... More

What To Look For When Reviewing Your Credit Report

Credit counselors recommend reviewing your credit report at least once per calendar year to ensure this all-important picture of your financial health remains accurate. However, with so much information included, knowing where to start can prove confusing for consumers. Here are the items you should be certain to check each year: Personal ... More

Three Things to Know About EMV ‘Chip’ Credit Cards

EMV or “chip” credit cards are the new standard for credit cards equipped with computer chip technology. There are currently more than a billion in circulation, so many consumers are already using them. The embedded identity theft protection feature means that counterfeiters and card thieves won’t be able to authenticate bogus transac... More

Beware Credit Card ‘Teaser’ Offers

You’ve seen the advertisements – credit cards with zero percent APR, long payment grace periods, access to amenities like NFL tickets or the latest electronic gadgets. They’re all designed to attract new cardholders, of course, and many of the incentives can be of real benefit to consumers. However, these “teaser” offers are ... More

Credit Card Perks You Probably Don’t Know You Have

While frequent-flyer miles and cash-back programs are widely publicized benefits of some credit cards, there are dozens of lesser known benefits you may not even realize you have. Read your card’s fine print to see if you can take advantage of any of the following. Extended Product Warranties It might be a good idea to put that new ... More

Three Steps to Improving Your Credit Score

A healthy credit score is integral to anyone hoping to make a big purchase, like a home or a car, but many people struggle to overcome past mistakes. Since credit scores take into account many years’ worth of finances, it can take time to make even incremental positive change. There are simple ways to get your score moving in an upward ... More