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Does Carrying a Balance Help Your Credit?

If you’ve ever tried to buy a home, take out a car loan, or borrow money to start a business, you already know how important

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Should You Share Your Credit Score on the First Date?

While most first dates center on polite discussion over coffee, drinks, or dinner, serious romantic prospects might consider asking for their date’s credit score right off the

Best Credit Report Site of 2015

Your credit report is not only important for securing a loan, entering a rental lease, or applying for a credit card — it can make

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Do Credit Card Customer Service Agents Know Their Stuff?

Just last month, Discover took the top spot in J.D. Power’s 2015 U.S. Credit Card Satisfaction Survey, an annual study measuring customer satisfaction based on

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How Bad Credit Can Cost You Your Dream Job

With a good credit score and an established credit history, life gets much easier. Just ask anyone who has ever been denied a home loan,

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Personal Finance 101: What Credit Scores Are, How They Work, and Why They’re Important to You

Not too long ago, I was at a community gathering when I overheard people discussing the difficulties of getting a loan for their first home.

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Five Things People With Good Credit Have in Common

Good credit can’t be bought or sold; it can only be cultivated over time. And with the right financial moves – and credit strategy –

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Five Ways to Improve Your Credit Score Without a Credit Card

Unless you have enough cash to finance your entire life, you’ll probably need credit at some point. Whether you’ll need to take out a mortgage

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What Can I Do If My Credit Card Application is Denied?

If you’ve ever applied for a credit card and been denied, you’re probably wondering whether you did something wrong. Let’s face it – rejection hurts, even


What Is a CPN, or Credit Privacy Number?

A credit privacy number, or CPN, is supposedly a nine-digit identifying number that you can use instead of your Social Security number, or SSN, to

Credit cards

Will Getting Multiple Credit Cards Hurt My Credit Score?

As a credit card rewards enthusiast and credit expert, I am constantly asked the same set of questions. Not only do people want to know

Can Alternative Credit Scoring Help You Get a Mortgage?

By Peter Miller Lenders have an ongoing problem: No matter how many loans they create, they want to make even more. And that brings us

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What Is a Good Credit Score?

What is a good credit score, and why is this three-digit number so important? Can it really affect your everyday life, and what kind of

How to Build Credit

When people ask how to build credit, the “chicken or the egg” conundrum often comes up. Having a solid credit history and credit score are

Best Free Credit Report Site of 2015

If you’re interested in proactively safeguarding your personal information, understanding your credit report can help you keep tabs on how your data is being used.

Seven Things to Know When Filing for Bankruptcy

Filing for bankruptcy is often seen as a scary but necessary option. But it’s important to know that even when you’re facing what seems like

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Five Simple Steps to Improve Your Credit

A good credit score and solid credit history are the cornerstone of any lucrative credit card rewards strategy. So if you’re lacking in that department,

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Honey, I Wrecked Your Credit

My husband and I were both in our mid-30s when we married. He was a couple of years into a psychiatric practice, and I had

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