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Conquer Your Fears and Learn How to Deal With Bad Credit
Dec 04

Conquer Your Fears and Learn How to Deal With Bad Credit

How to deal with bad credit isn’t as easy as it used to be. Not so long ago, when you tried to avoid bill collectors, you just let the phone ring or you ripped it off the wall if the calls became too frequent. Today, those avoidance tactics won’t do you much good because your

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4 Credit Card Alternatives Every 20-Something Should Use When Making Big Purchases
Nov 29

4 Credit Card Alternatives Every 20-Something Should Use When Making Big Purchases

The millennial generation, on the whole, seems to shy away from using credit cards. The Great Recession and mounting student loan debt has apparently soured millennials on plastic. Compared to their elders over 30, almost twice as many consumers in their 20s don’t have a single credit card. A recent study of credit trends found the

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Everything 20-Somethings Need to Know About Credit With Our Credit Score Guide
Nov 26

Everything 20-Somethings Need to Know About Credit With Our Credit Score Guide

When newspaper columnist Earl Wilson (1907-1987) wrote, “Modern man drives a mortgaged car over a bond-financed highway on credit card gas,” he was reminding us all that we live in a world that revolves around credit and, in particular, our credit score. In particular, if you’re 20-something, you’re probably still wondering how you received the

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Avoid Potential Pitfalls With a Responsible Credit Card Churning Strategy
Nov 10

Avoid Potential Pitfalls With a Responsible Credit Card Churning Strategy

Credit card churners are people who constantly submit applications for new credit cards so as to take advantage of promotional offers and bonuses. An example is free frequent flyer miles. To get as many as possible, churners apply for a card, spend the minimum amount the card requires, get their frequent flyer miles, and then

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Use a Zero Percent Credit Card Balance Transfer to Pay Off Debt
Oct 31

Use a Zero Percent Credit Card Balance Transfer to Pay Off Debt

When credit card balances — or any high interest debt — begins to pile up on you, it’s time to consider the options for getting your finances under control. In many cases, a good choice to pay down debt, plastic or otherwise, is to transfer it with a low-interest credit card offer. But you need to

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Paying Out of Pocket for Health Care: Medical Credit Cards vs. Credit Cards
Oct 17

Paying Out of Pocket for Health Care: Medical Credit Cards vs. Credit Cards

As more Americans are paying out of pocket for health care, they are increasingly turning to medical credit cards to fill gaps in their coverage caused by higher deductibles and a growing number of elective surgeries. You are probably one of those many Americans, especially if you are younger and don’t have the best health

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When to Close a Credit Card With Minimal Damage to Your Credit Score
Sep 19

When to Close a Credit Card With Minimal Damage to Your Credit Score

Are you considering closing out a credit card? Maybe the terms of the card — the annual fees, the interest rate, or both — are no longer what you signed up for. Or, maybe you hope it will help you avoid excessive spending. But then you’ve also heard that canceling a credit card may impact

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5 Excellent Credit Habits to Follow for an Instant Jump In Your Credit Score
Aug 30

5 Excellent Credit Habits to Follow for an Instant Jump In Your Credit Score

Learning how to boost your credit profile is never a bad thing, as many of us try to stretch our dollars by using credit. Most consumers that have excellent credit habits have established solid financial routines that we can all learn from. Here is a look at the best habits of consumers with excellent credit.

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Why Student Credit Cards Offer Life-Long Value
Aug 19

Why Student Credit Cards Offer Life-Long Value

The price of college tuition — along with the cost of student life in college communities — continue their relentless climb upward. Average tuition and fees for the 2013–2014 school year was $30,094 at private colleges, $8,893 for state residents at public colleges, and $22,203 for out-of-state residents attending public institutions, according to the College

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Why New FICO Score Rules Could Be a ‘Game-Changer’ In Helping You Obtain a Loan
Aug 11

Why New FICO Score Rules Could Be a ‘Game-Changer’ In Helping You Obtain a Loan

Some 64.3 million U.S. consumers who have at least one medical debt on their credit report woke up to a healthy dose of good news on Friday that the Fair Isaac Corp. (FICO) — which lenders use in 90 percent of their consumer and mortgage lending decisions — will penalize them less for their unpaid

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