From the category archives:

Credit

tuesday tip

You can’t get a credit card or loan without a decent credit score. You can raise your credit score without building a strong credit history. You can’t build a history without getting a credit card or a loan. It’s a vicious cycle that many consumers find themselves in. If you find yourself in such a scenario, [...]

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Credit cards

Before signing up for a credit card, it’s important to understand the terms and conditions associated with each card. Do you really understand what interest rates and minimum payments are, for example? What are the credit card terms for each card that you hold? Credit card terms must be fully understood – even if they [...]

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taxes

Americans were budget and money conscious with their tax returns this year, according to last month’s poll. The online survey revealed that 69 percent of American consumers used their tax refund to pay down debt and get ahead on monthly expenses such as rent, utilities and car payments, while only 16 percent splurged and bought [...]

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talking cents guy

Dear Talking Cents Guy, I graduated from an expensive liberal arts college five years ago, and I’ve been struggling to pay off my student loans. I worked a string of low-paying entry-level jobs and to make my student loan payments (I could only defer them for so long), I had to prioritize my funds and [...]

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talking cents guy

Dear Talking Cents Guy: I have a number of credit cards with debt on each of them. I cannot afford to pay the minimum payments but still want to pay something. Should I first cancel the cards? I have been not using them for about a month to try to curb spending. We have cut down [...]

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After the big Target data security breach, a number of other retailers came forward to admit that they too had similar problems – Nordstrom, Michael’s, etc. American Consumer Credit Counseling polled readers to find out if they had trust issues with retailers, and the results were indicative of a less trustful set of consumers.

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buy this not that logo

We’ve all been there. You’re walking through a mall, and suddenly, you see it like a mirage in the desert, shining in the store window: the perfect bag. Then you look up and realize you’re standing in front of a Louis Vuitton store, and that bag is roughly one month’s rent and security deposit for [...]

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talking cents guy

I know how hard it is to manage personal finances and how appealing credit cards can be. I’ve been in debt myself, and though I managed to get out of debt, the urge to spend and turn to plastic is still something I deal with every day. But I’m here to help you live better [...]

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credit report check

Want to know what lenders see when they review your credit and make a decision about your credit worthiness? Want to protect yourself against fraud and errors that could impact your financial future? The solution is simple…check your credit report. Your credit report is a history of everything you are doing with your credit and [...]

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Credit cards

We all know that credit can be confusing. When it comes to using credit cards, some people use them to pay for every expense and there are others who avoid them at all costs. If you use credit responsibly, it can be very rewarding and can even improve your credit worthiness which will help when [...]

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