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Credit

  • How to identify the good and tackle the bad

    September 12, 2022 | Credit

    Not all of the balances you carry will drag down your financial future. Despite the bad rap debt often gets – and it’s mostly deserved — there are certain types that shouldn’t keep you up at night. Before you take on more debt, though, it’s important to understand the differences between the good kind of debt and the kind that can lead to stress, sleep deprivation and worse.

  • How to manage credit cards responsibly

    July 12, 2022 | Credit

    Follow these five tips to successfully handle revolving credit accounts

    Americans had a pretty good run for a while, paying down credit card debt in record amounts and even stashing money in savings accounts as pandemic stimulus checks rolled in. COVID protocols kept us from spending as much as we might have in 2020 and beyond.

  • Still Going

    May 18, 2022 | Credit

    How to handle debt in retirement

     

    According to a recent report from the Federal Reserve, total household debt is rising quickly. The Fed found that debt levels jumped by $333 billion in the fourth quarter of 2021, the largest increase since 2007. And while that’s discouraging, the Fed also noted that debt levels among households where the head of family is 55 or older are also on the rise. For those households, it’s not a good sign for retirement. If you’re nearing retirement or already retired and carrying debt, here are some ways to handle it.

  • Everything you need to know about free credit freezes

    April 18, 2022 | Credit

    Here’s a guide on how to freeze and thaw your credit

     

    Chances are pretty good that somewhere in the last few years, you heard about something called a credit freeze.

  • Getting help to get out of debt is good for you

    The Reaches of Debt

    January 18, 2022 | Credit

    A study finds debt can lead to poor physical health

    Credit card debt isn’t good for you… In more ways than one. Obviously, having lots of debt can cripple you financially, but a new study found that it can also negatively impact your physical health.

  • Five Ways to Improve Your Credit After a Summer Spending Spree

    November 08, 2021 | Credit

    Carrying a credit card balance? Here’s what to do

    With vaccination rates climbing and travel restrictions loosening, this summer saw many Americans vacationing again like it was August of 2019. The Allianz Partners USA’s Vacation Confidence Index survey found the average U.S. family taking trips this summer planned to pay more than $2,100 for the get-aways.

  • Your top 5 credit questions answered

    June 29, 2021 | Credit

    When it comes to building and maintaining good credit, the best path isn’t always obvious.

    A new survey from U.S. News & World Report shows that nearly one-third of Americans surveyed were unclear about exactly what factors have an impact on their credit score. It’s no wonder with a lack of financial literacy courses available to most school-age students in the U.S.

  • Steps to rebuild your credit score after missing credit card payments

    May 28, 2021 | Credit

     Missing a credit card payment isn’t the end of the world. If you’ve missed one payment by a few days, you can often get your credit card provider to waive any fees by citing your history as a good customer and reaching out to them directly. But if you’ve missed multiple payments for long periods of time — think a month or two — your credit will take a hit. Here are some ways to rebuild your credit score, should that ever happen.

  • Credit report errors are on the rise

    April 28, 2021 | Credit

    Are you checking your credit report regularly? If not, you should be. According to data from the Consumer Financial Protection Bureau, credit report errors are skyrocketing.

  • Credit Report Waiting Game

    February 25, 2021 | Credit

    Here’s yet another reason to consistently check your credit report: Debt Parking. This is the term used for a new scam in which debt collectors place fake debts on your credit report in the hopes of fooling you to pay up. Read on below on how you can protect yourself and keep your credit safe:

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