Paying Less Than the Minimum? You're Late
When you can't afford to make your minimum credit card payment, you might be tempted to just send what you can. If you've ever done it, you were probably shocked...
 
Can You Afford More Debt?
While you might think a credit card or a loan is helping you "afford" to buy groceries, it's only postponing an inevitable financial crisis. According to Merriam Webster's dictionary, to...
 
What Influences Your Credit Score
Your credit score is a pretty important number. Not only does it determine whether you get a credit card or loan, it also influences your ability to buy a house,...
 
Citibank Credit Cards Will Get Higher Interest Rates
If you have a Citibank credit card watch out for an interest rate increased notice with your next billing statement. Though Citigroup, the bank servicing Citibank credit cards, promised it...
 
$1500 for Credit Repair? You Can Do it For FREE!
Today I saw a press release from a company offering credit repair services for $1,500. Look at what Credit Restoration Consultants claims they can do for you: Credit Restoration Consultants is...
 
Think Your Credit Report's Right? You Could Be Wrong
Don't take for granted that your credit report only contains accurate information or that errors will somehow correct themselves. It's up to you to check your credit report periodically to...
 
FTC Goes After 33 "Credit Repair" Agencies
Earlier this week, the Federal Trade Commission (FTC) announced plans to target 33 credit repair agencies who violated both the FTC Act and the Credit Repair Organizations Act (CROA). According...
 
Now's the Time for Layaway to Make a Comeback
Remember layway? It's the polar opposite of store credit. You pick out your merchandise, then make payments on it before you take it home. Then, after you've completely paid for...