How to Protect Yourself from Identity Theft Identity theft is a serious crime that can have devastating consequences for your personal and financial life. Identity theft occurs when someone uses your personal information, such as your name, Social Security number, credit card number, or online accounts, without your permission, to commit fraud or other crimes. […]
Understanding 15 USC §1681b: The Fair Credit Reporting Act In this article, I will explain what 15 USC §1681b is and why it is important for consumers and businesses. 15 USC §1681b is a section of the Fair Credit Reporting Act (FCRA), a federal law that regulates the collection, dissemination, and use of consumer credit […]
Debt Avalanche: A Way to Pay Off Debt Learn about the debt avalanche method and how it can help you pay off your debts quickly and efficiently. Find out how this approach works, and whether it might be right for you. Summary The debt avalanche method involves paying off debts in order of highest to […]
How Can I Correct Information in My Credit Report? Learn the steps to correct errors and inaccurate information in your credit report to maintain good credit health. Your credit report is an important document that provides a detailed history of your credit accounts, payment history, and credit inquiries. Credit reports are used by lenders, banks, […]
Credit Cards with Annual Fees: Are They Worth It? When shopping for credit cards, you may be surprised at the steep annual fee for some of the premium cards out there. Those gold-star benefits do come with a price: in some cases, several hundred dollars and upwards. So, when is the annual fee worth it? […]
National Get Smart About Credit Day Depending on the time period in which you were raised, many young children and adolescents had differing opinions (and ideals) about what credit was and how it should or shouldn’t be utilized. While some were privileged enough to understand the complexities and importance of credit, others had to learn […]
Does Unemployment Affect My Credit Score? The COVID-19 pandemic has changed the economy in many ways. One of the biggest changes has been changes to employment for many people. In some cases, many have been laid off. In other cases, people have been furloughed or had their hours reduced. The number of people receiving unemployment […]
How to Protect Your Credit Health When Money Is Tight With two-thirds of Americans feeling financial strain due to the COVID-19 pandemic, it’s an important time to take an active role in our finances. Making financial plans can feel demotivating if money is tight, but understanding your goals is the key to making productive financial […]
How Many Credit Cards Should I Have? There’s no perfect answer to how many credit cards you should have. In general, if you’re looking to build good credit, it’s a good idea to have at least one or two credit cards. According to a 2019 report from Experian, the average American has four credit cards […]
[ad_1] It only takes a few seconds for the average credit card transaction to process. If you’re paying by cash, the time it takes for money to exchange hands is even faster. But getting money back? Ah, that’s another matter. When you make a purchase with a credit card, you make a promise to your […]
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