Monthly Archives: February 2011
A Quick Lesson in Credit
Credit decisions you make today can impact your life for years to come. Because of their long, influential nature it’s important to learn about credit reports and credit scores. The sooner you understand how they work and adapt your behavior … Continue reading
The 1, 2, 3s of Deceptive Credit Card Offers
Even though 2009’s Credit CARD Act implemented regulations limiting credit card companies’ unfair and deceptive policies, they’re finding new ways to make money and keep consumers stuck in debt. Here’s what you need to know about rising interest rates, new … Continue reading
3 Tips on Building Your Emergency Savings
Experts recommend you have six months living expenses set aside in an emergency fund. Sometimes it may feel as though you will never attain that goal. When you don’t even have one month’s rent in your account, let alone all … Continue reading
Money Basics: 3 Tips to Manage Your Credit Score
Build the backbone of a strong credit score by following these best practices for money-management. 1. Reduce spending Some experts think this is the number one strategy for financial gain. Every time you swipe your plastic, ask yourself if … Continue reading
10 Ways to Avoid Making Credit Card Mistakes
Credit cards are a great financial tool, though some of us have learned the hard way that they carry a certain risk. There’s more ways than one you can misuse a credit card and end up paying for it later. … Continue reading
Q: My fiancée has a bad credit score. Will her score affect mine after we marry?
Understand how marriage can impact credit scores. A: It is a common misunderstanding that credit reports are merged when you marry. They are not. You and your spouse will continue to have separate credit reports (with each credit bureau) … Continue reading
Q. Is it true an employer can view my credit report?
A. Yes. Under the Fair Credit Reporting Act (FCRA), a current or prospective employer can view your credit report, but only with your permission. Additionally, the FCRA provides the right to receive a copy of your credit report, if … Continue reading