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How to defeat debt and still have fun

With some creativity, you can pay off debts while still enjoying an occasional treat, gift or trip. In fact, small indulgences may help you stick to your goals.

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44% mistakenly say credit score, credit report the same

Almost half of Americans mistakenly believe a credit score and a credit report are basically the same thing, a survey from the American Bankers Association shows.

In fact, while they're both credit-related, they're not the same thing. "Your credit score is akin to your cumulative GPA, while a credit report more closely resembles your grades from every report card over the past seven years," said Molly Wilkinson, executive director of the ABA's Card Policy Council.

Those polled were asked if this statement is true: "A credit score and a credit report are different names for basically the same thing." While 56 percent believe the two are not the same, almost 44 percent feel they are, including 12 percent who say they are confident the two are the same.

The poll was conducted by Ipsos for the association Dec. 11-14, 2014. Some 1,003 adults were interviewed online. The poll has a credibility interval of plus or minus 3.5 percentage points. Figures were rounded, which in this case means they don't add up to 100 percent.

Credit score, credit report

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Expert Q&A

Rapid rescoring can
get loan back on track

Barry Paperno
If you have errors on your credit report that could block a mortgage application, a rapid rescore option could help ... See Expert Q&A

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Credit Card Help

Credit Card Help The truth about
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Credit card glossary terms

Credit card glossary

A lien is a legal notice attached to your property giving the lien owner the right to possess that property until a debt is paid or discharged. A lien on your house or car makes it impossible for you to sell the property.

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Do you know your
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The Credit CARD Act ushered in a new era for credit cards, giving consumers more protection and rights. Do you know your rights under the law?

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'Taking Charge' blog

Fred O. WilliamsMoving money
at the speed
of a smartphone

Fred O. Williams | 1/28/2015

The Federal Reserve has taken another step in its effort to streamline the way money changes hands in the U.S., publishing a road map for banks, businesses, payment networks and consumers ... See more

Have you ever requested a refund through your credit card, called a chargeback?


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See related: 6 steps to getting a credit card chargeback

Credit card tip of the day

If you plan to do a balance transfer, make sure you pay off the balance before the introductory offer ends, or you'll be saddled with high interest rates.

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