Posts Tagged ‘Credit Score’

Reader Mailbag: Secret Santa

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What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question. 1. Basic credit questions 2. How to make money blogging? 3. Favorite podcasts 4. Television compromise 5. Connecting with teens cheaply 6. Overly long “to-do” list 7. Maximizing credit card promos 8. Refinance or not? 9. Quibids? 10. Plant-based snacks This year, I’ve found myself in two different Secret Santa exchanges. When I was younger, I used to worry way too much about what I was receiving. I didn’t want to participate… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - November 18, 2010 at 1:20 pm

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The Debate Between Debit Cards and Credit Cards

More than half of all card transactions are now being paid with debit cards rather than credit cards, according to the Nilson Report. The debate between debit cards and credit cards continues on.  Many people made the switch to debit cards in an effort to avoid racking up too much debt and to help manage their budget more efficiently. The problem with this theory is the costly expense of overdraft fees if you mistakenly overdraw your account – and the fact that you lose out on many benefits by not using credit cards. Photo by Classyshot via Flickr Despite the… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - November 9, 2010 at 7:20 am

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Are Credit Monitoring And Identity Theft Protection Worth The Cost?

When you open a credit card account there are a variety of new concerns presented. How are you going to protect that precious piece of plastic from theft along with your identity? How can you monitor the effect this card has on your credit? Lucky for you, credit card companies have it all covered. Obtaining a credit card is never as simple as sending in an application and getting the card in the mail. You will be presented with a host of additional offers and it’s up to you whether you want to pay the extra monthly cost for them.… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - October 15, 2010 at 6:20 am

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Free Credit Score: How To Get FICO and Other Credit Scores

The Fair Credit Reporting Act legislation enabled you to obtain one free copy of your credit report from each of the three major reporting agencies (TransUnion, Equifax, and Experian) annually; however, getting your credit score takes a bit more work. For a small fee, you could get your credit scores along with your free credit reports from AnnualCreditReport.com. However, there are other ways, including free ways, to get your 3 credit scores. To find out how, keep reading! Free FICO Score First, let’s focus on FICO score since it’s the hardest one to get. To get your score, you can… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - October 12, 2010 at 3:20 am

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Credit Card Offers Return To Those Who Are Qualified

Over the past few years we have witnessed a complete one-eighty in the way both credit card companies operate and the way consumers are using credit cards.  Prior to the recession, credit card companies were practically giving away credit to anyone and everyone regardless of their ability to repay the debt.  Consumers armed with easily obtained and in some cases excessive amounts of credit often made mistakes in the managing of that credit. Photo by Gothem City via Flickr When the recession hit, several things happened.  Consumers began to fall behind on credit card payments or found themselves unable to… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - October 9, 2010 at 1:20 am

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National Money Night Talk: Money Tips for Teen Giveaway

Families around the country are encouraged to sit down and talk about money and financial responsibility on September 16, 2010 in honor of National Money Night Talk. In a joint effort by American Express and Jean Chatzky, parents can visit www.moneynighttalk.com to make a pledge and get prepared to have “the money talk” with their kids by accessing exclusive Jean Chatzky videos, FAQs, talking points and resources endorsed by the Council for Economic Education. This free online resource is available in three different tracks based on age: middle school, high school, and college So parents with young adults ready to… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - August 25, 2010 at 6:20 am

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Summer Promotions And Personal Finance Reading List

Over the past few weeks there has been some good promotions in the personal finance space that I would like to gather in one place for your convenience. If you’re thinking about trying out one or more of these services, this is a good time to give it a go. Here are some of the notable promotions: Investing Lending Club — Get $25 when you sign up as an investor on Lending Club. TradeKing — Get $50 when you open and account and make your first trade. OptionsXpress — Get $100 when you open an account. Savings Everbank — Get… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - August 13, 2010 at 8:20 pm

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Are You Aware of the Most Common Credit Threats?

The Associated Press reports a new finding by FICO, Inc. that 25.5 percent of consumers, or nearly 43.4 million people, currently have a credit score of 599 or less. With a quarter of the nation suffering from credit card debt and poor credit scores, it’s obvious that many are not aware of the number of factors that can lower their credit scores. Photo by The Truth About via Flickr You can probably list several things you know can contribute to decreasing your credit score, but it’s unlikely you can name them all. In fact, a list of different things that… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - July 27, 2010 at 3:20 am

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