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Credit scores


  • Ask the Readers: How do you function with bad credit or no credit? (61 comments)

    This article is by editor Linda Vergon. Gina Bean wrote in about her friend’s credit situation. Her friend has a car loan with a $936 balance. She doesn’t have a credit card – because she only earns $21,000 a year and doesn’t want to go into debt. But she’s frustrated because she recently checked her…

  • Ask the Readers: How do you monitor and improve your credit? (24 comments)

    This article is by editor Linda Vergon. Holly Johnson’s post (“The high cost of keeping up with the Joneses”) got me thinking about a number of things this week, but mostly about how people manage their credit. Obviously, if you’re intent on keeping up with the Joneses and you’re living above your means, that house…

  • One expense you have control of in ways you never thought (38 comments)

    This article is by staff writer William Cowie. What do you spend most of your money on? For most people, their two biggest expenses are their home and car(s). If you remember the post comparing expenses in 1913 to 2012, you might recall the three things that Mr. Average spent most of his “raise” on were:…

  • 5 signs you might be a credit junkie (17 comments)

    This guest article was written by Beverly Harzog. Beverly is a nationally recognized credit card expert, consumer advocate, and author of Confessions of a Credit Junkie: Everything You Need to Know to Avoid the Mistakes I Made (Career Press, November 2013). She runs a popular credit card blog on her website, www.BeverlyHarzog.com. She’s appeared on Fox…

  • Unexpected ways bad credit can ruin your day (16 comments)

    This guest post is from Daniel Wesley. Daniel is the founder and CEO of CreditLoan.com, a website that educates consumers about various personal finance issues. Among some of the topics discussed are bad credit loans, credit cards, auto financing, and many other credit and financial help issues. Connect with Daniel on Twitter and Google+. A few…

  • Could you say no to your mom? (73 comments)

    This is a guest post from Jeff Rose, CFP who blogs at GoodFinancialcents.com. Jeff is well known among bloggers for his various causes: The Debt Movement, The Roth IRA Movement and The Life Insurance Movement.  His first book, Soldier of Finance, officially releases September 9, 2013. “Heck no!” Imagine if a stranger asked you one of…

  • Your credit score and credit card rewards: 10 tips (29 comments)

    This is the second post from Hilary Stockton, who is the founder of TravelSort, which helps savvy travelers earn millions of miles without flying, redeem them for first-class flights, and stay in luxury hotels at wholesale prices. Follow her on Twitter @TravelSort. I often get asked about the impact on one’s credit score of churning or signing up for…

  • Ask the Readers: Is credit monitoring worth the money? (46 comments)

    Reader Bryce wrote to us this week with this question for the readers: “What are your thoughts on companies like freecreditreport.com, where they charge $16.95/month to have access to your Experian credit report? Is checking your credit weekly/monthly worth the $16.95/month?” First of all, you are legally entitled to one free credit report per year…