2018 Media Mentions
Is It Always Bad to Cancel a Credit Card?
October 31, 2018 | By Beverly Harzog
When it comes to credit, there are few absolutes. If you miss a payment, that's never good. If you max out all of your credit cards, then yes, you can count on something bad happening to your credit score. But closing a credit card? Well, that is probably a bad idea.
“Dead” woman wants credit agency to return her to life
October 26, 2018 | By Pat Pratt
Even though she’s dead, Jeanne Haislip of Columbia makes a mean cup of coffee. Perhaps one of the the nation’s largest credit reporting agencies should enjoy one with her. That way it might finally believe she’s very much alive.
How to Spot Credit Repair Scams
October 23, 2018 | By Ben Luthi
Credit repair companies can help you dispute errors on your credit reports, but they can't do anything for you that you can't do on your own. What's more, credit repair scams are common and can leave you worse off than when you started.
Refinancing Your Mortgage to Pay Off Student Loans Sounds Tempting, but Use Caution
October 16, 2018 | By Mia Taylor
It’s hardly a secret or news flash that the student loan debt crisis in this country has reached epic proportions. For those who’ve lost track of just how bad things have gotten, here’s an update: There are now more than 44 million borrowers in America who collectively owe over $1.5 trillion in student loan debt.
Why is credit important?
October 12, 2018 | By Christy Rakoczy Bieber
Credit is a tool that can be used for good but may be problematic if you don’t know how to use it effectively. Using credit reliably and earning good credit scores can help you build wealth and allow you to do business with companies — but you can get into trouble if you don’t understand how credit works.
4 mistakes to avoid when opening a new credit card
October 8, 2018 | By Jen Glantz
Gone are the days where the only way to get a new credit card was to fill out a lengthy application, send it back to a credit card company in the mail, and cross your fingers, for weeks, waiting to hear if you got approved.
Sears Card vs. Sears Mastercard: Is either Sears credit card a good deal?
October 3, 2018 | By Lyn Mettler
Both cards offer some benefits for Sears and Kmart shoppers — Sears Holdings Corporation is the parent company for both retailers — but there are also downsides that keep us from being able to recommend either as a great option.
Gary, Michelle, and the Milkshake Dilemma
September 25, 2018 | By Wichita Falls Times Record News
The president of my firm, Michelle Kuehner, recently blogged about grocery spending at FixOurBudget.com. One question she posed to her audience: Are you spending too much on food? I sat down with her (easy to do as her office is across the hall from mine) and asked her to elaborate.
Top Business Credit Card Tips from the Pros
August 30, 2018 | By Benilyn Formoso - Suralta
Small businesses can use business credit cards to build credit, improve cash flow, manage employee spending, and streamline expense reporting—all while earning cash back and travel rewards.
8 Expenses to Use (or Not Use) Your Emergency Fund On
August 22, 2018 | Rebecca Safier
Life doesn’t always go as planned. If you run into tough times, an emergency fund could help you weather the storm.
But while experts recommend saving between three and six months’ worth of living expenses in your emergency fund, they’re not always so clear about when to spend this money.
How To Save Money on Back to School Supplies
August 21, 2018 | By Opploans
It’s that time of year that so many kids dread: back to school! And while it can be nice to get your kids out of the house and back to the classroom, your wallet might be feeling a similar sense of dread.
How to Stretch Your Spending Money in College
August 20, 2018 | By Anna Helhoski
“Why am I running out of money?” That’s the question students ask most when they visit the student money management center at University of North Georgia in Dahlonega, Georgia.
No Credit Card? Here Are 6 Ways You Can Still Fix Your Credit Score
August 2, 2018 | By OppLoans
Traditional credit cards are a great way to rack up debt, but they are also perhaps the number one way to improve your credit score. By keeping your balances below 30 percent, making all your payments on time, and paying off every purchase within the 30-day interest-free grace period, your credit card can double as a ticket to the financial promised land.
Student Debt Anxiety Is Hard on My Mental Health
August 01, 2018 | By Jennifer Billock
At the beginning of May, I checked my total student loan balance and saw something incredibly frustrating. I’d been making payments for about seven years, and instead of the total going down, it had risen by $6,000.
Why Setting a Plan and a Time Limit to Pay Off Debt Helps Save Money
July 25, 2018 | By Mark Henricks
After she left her corporate job to start a coaching business, Christy Whitman rang up $90,000 in credit card debt. “Paying it off seemed impossible, given that I was only making $60,000 a year as a brand new coach,” said Whitman.
4 Types of Debt That Can Actually Be Good for You
June 26, 2018 | By Miranda Marquit
Debt is practically a part of modern life. Most people can’t get a college education without borrowing, and buying a home often requires a mortgage. Using debt to get ahead in life isn’t necessarily a bad thing, according to Andrew Housser, the co-CEO of Freedom Debt Relief, a debt settlement company.
5 cost-effective ways you can erase your credit card debt
June 26, 2018 | By Andrew Pentis
There’s no one-size-fits-all approach to handling credit card debt. The cheapest way for you to get rid of it might be more expensive for your neighbor, and vice versa. Here are five ways you can erase your credit card debt. The list starts with the less expensive method. Discover which option is the best and most cost-effective for you.
Top 7 Survival Tips for Your First Year Out of College
June 21, 2018 | By Rebecca Safier
Congratulations, Class of 2018 graduates! Hopefully, you’ve spent the past few weeks celebrating your achievements. But now you’re probably wondering, “What’s next?” To help you prepare, we chatted with recent college graduates (Class of 2017 and earlier) about their experiences since graduating.
8 Ways to Reduce Stress When Saving for Retirement
June 20, 2018 | By Rachel Hartman
Whether you’re worried about saving enough money for the future or regret that you didn’t set aside enough in the past, it’s easy to get stressed about retirement. Anxiety levels can escalate even further at the thought of trimming costs to save for retirement.
Can a Payday Loan Company Take You to Court?
June 6, 2018 | By Opploans
You know a payday loan can hurt your credit. But can failing to pay one back actually put you in front of a judge? Court shows can be fun to watch on television. Whether it’s Law and Order or Judge Judy or classic Lionel Hutz episodes of The Simpsons, we all apparently like watching people in court.
6 Money Steps All New Grads Should Check Off Their List
May 23, 2018 | By Christy Rakoczy
As a new graduate, you’ve got a lot on your plate. It’s an important time to make smart money decisions, including setting financial goals.
Bad Credit Repair: When to Close a Credit Card and When to Keep It Open
May 17, 2018 | By Opploans
Closing a credit card will negatively impact your score, but not for the reason you think. Your credit score is very important. This three-digit number compiled by the three major credit bureaus determines what kind of loans and other credit cards you’ll be able to qualify for and at what rates.
How to get your piece of the Wells Fargo banking scandal settlement
Mon 14, 2018 | By Amanda Dixon
For some consumers taken advantage of by one of the nation's biggest banks, Monday is the last day to decline a slice of a big class-action settlement pie.
Bouncing Back from Bankruptcy - Sooner Than You Think
May 8, 2018 | By Brian O'Connell
Bankruptcy afflicts over a million Americans on a yearly basis, and going under financially is widely viewed as a nightmare scenario. That isn't necessarily the case, as a new Lending Tree report shows.
No credit score: Do you need a “bad credit home loan”?
May 5, 2018 | by Erik J. Martin
To get the best mortgage rates, you really do need a high credit score. But you can buy without resorting to bad credit home loans if you don't have a score.
Your Complete Guide to Payday Loans
May 2, 2018 | By LadiesWantMore
It’s easy to see why payday loans are so tempting. Consider this scenario, for example. You’re $300 short on an important bill. Your next payday is 10 days away, your credit card balance is at its limit, and you can’t borrow from any of your friends or family. What do you do?
5 Ways You Can Erase Your Credit Card Debt
May 1, 2018 | By Andrew Pentis
There’s no one-size-fits-all approach to handling credit card debt. The cheapest way for you to get rid of it might be more expensive for your neighbor, and vice versa.
The 5 Best Personal Loans for Good Credit
April 18, 2018 | By Ben Luthi
The average credit score of Americans is 700, based on April 2017 data from Fair Isaac Corp., an analytics company that issues the FICO credit score. If your score meets or beats that average, it’s enough to put you in the good credit score range, which goes from 670 to 739.
Do I Have Too Many Credit Cards?
April 17, 2018 | By Chris Kissell
With multiple cards, consumers can add flexibility but also extra debt. The typical U.S. consumer is not satisfied with a single credit card. Among households with at least one account, the average shopper holds 3.7 cards in total, according to a 2014 Gallup survey.
Are Californians good with their money? Report ranks U.S. cities by financial savviness
April 15, 2018 | By Michael McGough
With tax season winding down, many Americans have spent the last few weeks reflecting on how they're handling their finances (perhaps with shades of regret, in some cases).
Best Personal Finance Tips by Financial Experts
April 14, 2018 | By Marketsfinance
When it comes to getting ahead and building good money habits, learning proper financial management is the key to success.
A third of credit card holders who loaned out their card got stiffed
March 24, 2018 | By Sheryl Nance-Nash
You may want to be helpful, but you should know that if you loan someone your credit card and you don’t get paid back, the bill is still yours.
Emergency Fund: How Much Should You Keep in Yours?
March 21, 2018 | By OppU Loans
An emergency fund is one of those things that’s super important to have, even if you don’t use it very often. It’s kind of like health or car insurance: if something bad happens and it’s not there, you’ll find yourself in a world of trouble.
Your Business is Losing Money if It Doesn’t Accept Credit Cards
March 21, 2018 | Business Blogs
American consumers are using plastic in record numbers and they’re not alone. According to the American Consumer Credit Counseling, 80% of spending in the United States is cashless, and 73% of Americans say that they use less cash today than they did 10 years ago.
4 Reasons to Cancel Your Credit Card -- and 1 Reason to Keep It
January 17, 2018 | Motley Fool
Americans love credit, and it shows. The average consumer had 2.35 bankcards and 1.51 retail cards in 2016, according to Experian's annual "State of Credit" report. Credit card usage can be a good thing, but it also carries a lot of risks. So is it time to pull the plug on yours?
3 Ways You Can Get the Best Credit Cards After Bankruptcy
January 16, 2018 | Ben Luthi
Bankruptcy lawyers might tell you that filing for bankruptcy offers a fresh start. However, it doesn’t feel that way when you’re applying for credit cards after bankruptcy.