Credit scores, credit reports: Archive of advice, news stories

Living off credit cards alone for a year is a terrible idea -- Credit cards were never meant to be used to replace income over a long period of time, and using them that way can bring big trouble. ... (more)

Opting out of APR increase doesn't have to impact your credit -- It's a common question these days: Will opting out of a rate increase hurt my credit? The answer isn't so clear-cut. ... (more)

Uncle Sam wants you ... unless your credit stinks -- You may be ready to serve your country, but if your finances aren't in good shape, you might get washed out. ... (more)

Credit card video: How to pick the right credit counseling agency -- Erica Sandberg, columnist for CreditCards.com, explains what to expect when you visit a credit counseling agency. She also describes what you should look for in a credit counselor and how to find one that is right for you. ... (more)

Want a better FICO score? Step No. 1: Pay bills on time -- Paying your bills on time every time is vital, but it's just the start to building a good credit score. ... (more)

Low credit score? Good luck getting a new credit card, study says -- Consumers receive far fewer credit cards than a year ago; those approved for cards have better credit scores, says a study by credit bureau Equifax. ... (more)

Jon and Kate's 8 plus-size money mistakes -- The paparazzi-pursued loco parental units of reality TV, the Gosselins, set an example, say money experts -- of what NOT to do financially. ... (more)

Don't let delinquent debt keep you from getting a mortgage -- Getting serious about buying a house someday? Those delinquent debts have got to go or your dreams of home ownership may remain just that -- a dream. ... (more)

Getting an iPhone, other fancy cell phone? Mind that other number: your credit score -- If you want to get the latest iPhone or other fancy cell phone, you may find your credit score is a key number. A bad one turns your phone into an expensive connection. ... (more)

What to do when debt triples your income -- When your debt load is more than triple your income, it's time to seek a solution. Debt counseling, debt settlement and possible bankruptcy can set you free. ... (more)

Credit card video: How to avoid arguments when sharing credit -- Personal finance columnist Erica Sandberg discusses why there are problems when it comes to sharing credit. She also gives solutions for couples having problems and tips on what to discuss so you can avoid any arguments. ... (more)

How bad are your credit card mistakes? -- All mistakes with your credit are bad, but not all are equally bad. Grade yours on this 10-point scale. ... (more)

Guru goofs: 7 personal finance experts confess biggest mistakes -- Famous financial experts divulge details about past bankruptcies, overdrafts and budgeting gone wrong. ... (more)

Act fast to remove authorized users when your credit goes south -- Authorized users on your credit card account suffer when your credit hits the skids. Our expert shows how to remove those users to minimize the damage. ... (more)

How to make sure your credit score is a FICO score -- Credit score seem just a bit too high? You may not have bought the ever-popular FICO score. But don't feel bad, our expert says. It's an easy mistake to make. ... (more)

Mystery debt: A collector's goof becomes your recurring problem -- Prepare for a hassle if a collection mistake has your name on it -- phone calls and certified letters are in your future. ... (more)

Debt collectors must prove the debt is yours -- A reader is being harassed for debt that she doesn't think is hers. Take these steps to take to prevent debt collection abuse. ... (more)

Want a free FICO score? You're out of luck -- If you think you'll get a free FICO score with your free credit report at AnnualCreditReport.com, you're mistaken. If you want your FICO score, you'll have to pay. ... (more)

The risks you incur when you co-sign -- Once you co-sign on a credit card, your rights to get out of the deal are limited, but you are still completely liable if the original account holder defaults. ... (more)

States' weapon of choice against ID theft: Transparency -- Until recently, if ID thieves stole your credit card data, you were kept in the dark. But new state laws force firms to reveal what they used to keep secret. ... (more)

Alternative ways for students to build a credit history -- The minimum age to qualify for a credit card will soon increase, requiring that students under 21 find new ways to develop positive credit histories. ... (more)

How to build a better credit card portfolio -- Standing pat with one card isn't a smart move today. Allocate credit as you do assets, strategically trimming or adding cards to get the most out of each. ... (more)

The risks you face when co-signing a loan -- When you co-sign on a loan and the original borrower stops paying, your credit report and credit score take a hit, too. ... (more)

Does credit card debt follow you if you move overseas? -- Moving overseas doesn't mean you strand credit card debt acquired in the States -- especially if you ever plan on returning home ... (more)

Helping aging parents dig out of debt -- With credit card debt among seniors up 26 percent, experts tell you how to help aging parents get back on track without compromising your own financial future. ... (more)

The biggest losers (of debt): How a family shed $106,000 in debt -- Five years ago, this New Richmond, Wis., family was drowning in debt. They licked it through frugality, determination and hard work. Here's how. ... (more)

Patience, persistence are keys to raising your credit score -- An impatient reader may not like the answer, but the the keys to raising your credit score from the depths are consistency, persistence and -- yes -- time. ... (more)

Got great credit? Credit card offers improve as crunch works in your favor -- While shedding people with credit problems, card issuers are sweetening the deals for those with excellent credit, putting them in good bargaining position. ... (more)

Pitfalls of pumping, dumping sign-up bonus cards -- The "pump and dump" strategy of taking advantage of huge bonus sign-up reward points or miles can really mess with your credit if you're not smart ... (more)

Creditors care about original loan documents, not court agreements -- In divorce, lenders will go after all who agreed to pay, no matter what a court decree says about who should pay. ... (more)

Best to apply cash to credit card debt or down payment? -- A reader wants to know whether it is wiser to use a lump sum of cash to pay off credit card debt or dump into savings for a future house down payment. ... (more)

How foreclosures, short sales, other mortgage defaults affect your credit -- How big a bite does a home foreclosure, short sale or other mortgage default take out of your credit score? ... (more)

Credit card video: The basics of credit scoring -- Jeremy Simon, staff reporter with CreditCards.com, explains the ins and outs of credit scores and credit reports. ... (more)

Credit card issuers don't make hardship programs easy -- It's a Catch-22. Though you've kept up payments until now, you can't pay anymore. But your issuer won't work with you until you start missing payments. What to do? ... (more)

Learn your options when dealing with crushing medical debt -- Communicate, and secure your housing and transportation first, says The Credit Guy. ... (more)

8 myths about settling credit card debt -- Before you decide to try debt settlement, make sure you know the difference between common myths -- and the truth. ... (more)

Know your rights: Fair Debt Collection Practices Act -- Experts say consumers should face the facts and deal with debt collectors, but also know and understand their consumer rights and protections. ... (more)

Debt collectors' ethics codes -- Associations of debt collectors try to curb abuses in the collections industry. ... (more)

A guide to navigating through bankruptcy -- If you find yourself among the growing number of people filing for bankruptcy, or think that it's the only way out, we can help you navigate through these tough times. ... (more)

Just one day late can hurt that credit card rate -- Even if you're tardy in paying your credit card bill by a single day, it can trigger a rate increase. ... (more)

Will there be a global credit score someday? -- Imagine all the people of the world united -- under a single credit scoring model. Depending on whom you ask, the concept of a global credit score is either a far-fetched pipe dream or an eventual reality. ... (more)

Credit scoring goes global -- Dominant in the U.S., the FICO credit score doesn't hold the same status worldwide. That leaves many international lenders looking to local versions of credit scoring models to help judge risk. And the differences from nation to nation can be great. ... (more)

What are your rights when opting out of a rate increase? -- You can't opt out of a rate increase after the stated deadline, but you may be able to freeze the account at the old rate. ... (more)

4 ways to fight minimum payment increases -- Thousands of credit card customers were surprised by news that their credit card minimum payments will more than double. Find out what your options are. ... (more)

Can one spouse's bankruptcy destroy the other's credit? -- If your spouse files for bankruptcy, your credit score may or may not be impacted, depending on where you live and what you owe. ... (more)

Proving your worth: How entrepreneurs can qualify for credit -- As credit lines tighten, or even disappear, small-business owners are turning to credit cards for survival. But getting approved for plastic is harder than ever. ... (more)

9 things you must know about debt consolidation -- Debt consolidation programs, called debt management plans, can help you get back on track, but they can also be unnecessary and even detrimental when done poorly or for the wrong reasons. Here's what you need to know. ... (more)

Create a separate credit identity after divorce -- If you are still an authorized user on an ex's credit cards, your credit score is dependent on their payment behavior. Your best bet is to get your own credit. ... (more)

Closing credits for filmmakers: Credit cards no longer viable as movie funding source -- Credit is the lifeblood of America's independent film industry, but stringent loan regulations curtailed access to credit and threaten the industry. ... (more)

9 tips for job seekers with bad credit -- As the recession drags on, times are getting tougher for job hunters. The good news is you can still find a well-paying job even if you have lousy credit. These nine tips can help. ... (more)

5 post-bankruptcy myths -- While bankruptcy may offer a fresh start, many consumers worry about how it will ultimately impact their financial future. Recovery takes time, but it's not as bleak as you may think. ... (more)

How being an authorized user can hurt your credit score -- If you are an authorized user on someone's credit card account and that account is not in good standing, it will drag down your credit score. ... (more)

Protect your credit score during divorce -- When facing divorce, avoid at all costs racking up mounds of credit card debt as you want to be able to start off your new life without undue financial stress. ... (more)

6 times when it's OK to cut up your cards -- A reader asks Opening Credits a simple question -- "When do credit cards get up?" -- that doesn't have a quick, easy answer. ... (more)

Let's talk credit: 8 must-have couple conversations -- Attitudes about using credit cards vary dramatically, and learning a partner's outlook can avert all-too-common money disputes. Here are the eight top credit issues every couple should tackle. ... (more)

Is credit card loyalty for chumps? -- Your loyalty may make you a stellar best friend, but it's not doing you any favors with your credit card company these days. The dismal economy may have turned your card issuer into a turncoat. ... (more)

Your options when credit card minimum payments skyrocket -- Credit card issuers can change conditions on short notice, including the minimum payment. ... (more)

Avoid bankruptcy during messy divorce -- The last thing you need to do as you start your new, independent, financial life is to put yourself through the trauma of going bankrupt. ... (more)

New federal guidelines help consumers dispute credit report errors -- Under a set of newly introduced guidelines, consumers gain the right to take up disputes over credit report inaccuracies diirectly with the businesses that supplied the faulty data. ... (more)

Dumped by your credit card issuer? 5 tips to survive the breakup -- What should you do if you suddenly find yourself dumped? Here are five steps to take when your credit card issuer just isn't into you anymore. ... (more)

When your ex doesn't pay on joint accounts -- If you rely on your ex to pay down on joint accounts after a divorce, expect to be disappointed. ... (more)

Shopping and credit cards: Don't let a convenience become a curse -- For some, a mall and a credit card are a financially toxic mix. It need not be so. These tips will help you become a savvier shopper -- and maybe even save some money. ... (more)

Allowing friends to use your credit card = mistake -- After the charges, it may be too late to hold someone else responsible for debt run up on your card with your permission. ... (more)

Credit Card Help: How to dispute credit report errors -- Improve your credit score by removing credit report errors. Includes sample letter for disputing an error, and how to contact the three main credit bureaus -- Equifax, Experian and TransUnion. ... (more)

Credit Card Help: 9 tips for protecting your credit cards, credit score -- 9 tips for protecting not only your credit cards, but your credit score, too. ... (more)

Credit Card Help: 8 steps to picking a credit counselor -- Credit counseling agencies can help you get out of debt. Learn how to select the right one for your debt issues. ... (more)

Credit Card Help: Free credit reports: How to get the actual free one -- The federal government has mandated the three major credit bureaus give free credit reports to consumers at least once per bureau per year. Here's how to get yours. ... (more)

Credit Card Help: How to add a written statement to your credit report -- Your credit report is usually the final word when it comes to lending, but the rules let you make 100 of those words your own. ... (more)

Credit Card Help: 8 legitimate ways to improve your credit score now -- There are no instant miracles that improve a flagging credit score, but there are quick and legal ways to improve it. ... (more)

Credit Card Help: 10 ways students can build good credit -- A good credit score is more important than ever, and experts say following these 10 steps can put a student on the right credit path. ... (more)

Credit Card Help: Why women need their own credit -- When you get married and vow to love 'for richer or for poorer,' it doesn't mean relinquishing your financial independence. ... (more)

Credit Card Help: Don't say 'I do' to bad credit -- With financial mismanagement topping the list of reasons why couples seek divorces, experts say it makes sense to check out your partner’s creditworthiness. ... (more)

Credit Card Help: FICO 08: How new credit score formula will affect you -- When you get married and vow to love 'for richer or for poorer,' it doesn't mean relinquishing your financial independence. ... (more)

Credit Card Help: 5 things you should know about business credit scores -- You may already know the basics of consumer credit scoring. But if you're a business owner, you also need to familiarize yourself with another type of score that could greatly impact your company: the commercial credit score. ... (more)

How Dad affects your debt, financial decisions -- New research finds that a father's advice, or lack of it, influences their children's money behavior later. ... (more)

New FICO auto score screens out more buyers -- You may think you're ready for a new set of wheels. But your new credit score could have other ideas. ... (more)

A comprehensive guide to the Credit CARD Act of 2009 -- The federal government has enacted sweeping reforms into how credit cards work; learn what they mean to you through this interactive guide. ... (more)

How to shop your way to a better credit score -- Credit card issuers increasingly use complicated formulas to analyze their cardholders' purchasing patterns for signs of increased risk. ... (more)

Experian: High credit score increases likelihood of ID theft -- Having a high credit score makes it easier -- and cheaper -- for you to borrow money. But according to a new report from credit bureau Experian, that high score also makes it easier for identity thieves to secure stolen credit in your name. ... (more)

Think you're a credit expert? Take our quizzes and prove it! -- Are you a credit expert? Or maybe you don't know an APR from NPR or CPR. Whichever side you fall on -- or if you're somewhere in the middle -- you can test your knowledge of credit in our quizzes ... (more)

Protecting your credit score when paying down debt -- It's a Catch-22: you opt to pay down your credit card debt, but then your credit limit gets cut. What's a cardholder to do? ... (more)

With credit card bills, don't be late, negotiate -- Reaching out before the bill is due damages your credit score the least, says The Credit Guy. ... (more)

Credit card mail offers with annual fees on the rise -- Once nearly extinct for people with good credit, card offers with annual fees are rebounding, research firm Synovate says. ... (more)

Credit not right? Time for a credit card checkup -- Is your credit not feeling quite right? If so, it may be overdue for an annual check-up. Fortunately, a thorough exam doesn't involve an appointment with a hard-to-reach specialist: This Rx is strictly DIY. ... (more)

A practical guide of what to expect when filing for bankruptcy -- American bankruptcy laws were created for catastrophic events, where debt resolution can give you a fresh start and let you become a productive, contributing citizen again. ... (more)

Your keys to getting in the 700+ credit score club -- Having good credit pays -- in dollars and cents. In an ever-tightening credit market, having a solid credit history with a credit score well over 700 will open doors to money-saving opportunities ... (more)

Your options for negotiating outstanding debt -- If your income has been dramatically reduced, then you may qualify for some assistance from the creditor that might not negatively affect your credit score. ... (more)

Good credit history doesn't go away when card canceled -- If your only credit card gets closed, don't worry. That good credit history that you built will live on, even as the card becomes just a memory. ... (more)

Lending standards keep tightening, Fed says -- It didn't get any easier to borrow on credit cards at the start of this year, based on the Federal Reserve's quarterly loan officers' survey released today. ... (more)

Survey: 34 million Americans admit paying credit card bills late -- More than 58 million Americans admit they don't pay their bills on time, including 34 million who were late paying credit card bills, according to an annual consumer survey. ... (more)

Laid off, stuck with company credit card bill -- If you are an authorized user on your company card, then you aren't responsible for payment, but that might not stop collectors from harassing you for it. ... (more)

How to react to a 'rate-jack' attack -- The bad news is in. Your credit card issuer has sent a change in term notice of an impending interest rate hike on your account. But you have options. ... (more)

Is the American love affair with credit cards over? -- It's no surprise that many consumers are unhappy with credit card companies, but their unhappiness may lead to long-term behavioral changes ... (more)

Who's liable for charges on dead dad's credit card? -- An authorized user wonders who's liable for charges on her deceased father's credit card ... (more)

Ex-wife maxes out joint cards: Who pays? -- Divorce is at best unpleasant and at worse very painful. Plus, the lingering separation of finances can add to the pain for years. ... (more)

Hybrid credit, prepaid cards may offer crunch relief -- Consumers trapped in the credit crunch may soon have another choice when hybrid credit/prepaid card combos become more widespread. ... (more)

Citi 'Payment Partner' plan: Bonus to volunteer for credit limit cut -- Citi is the latest credit card issuer to get creative in encouraging customers to make big payments -- or just go away. ... (more)

Best Buy takes over Circuit City cards -- Circuit City cardholders will get Best Buy cards in May. Their new cards would have the same account numbers, rates, fees and terms as their old cards. ... (more)

Credit card glossary terms to know for when you move -- Moving is stressful enough without having to worry about your credit, but if you're not careful and don't plan ahead, the opportunities for a move to cause credit chaos can multiply. ... (more)

Card issuers more willing to make concessions in debt deals, but fewer consumers qualify -- Realizing something's better than nothing, card issuers are OKing more generous debt management plans -- but they're still too costly for many consumers. ... (more)

Credit Card Help: 10 things you must know about credit reports and credit scores -- You may have heard the terms credit history and credit score. But what exactly is a credit history, what is a credit score -- and why are they so important? ... (more)

Credit Card Help: 8 things you must know about credit card debt -- Credit card debt is not inevitable. Here are some basic credit guidelines to help keep you out of debt. ... (more)

Credit Card Help: 10 worst credit card mistakes -- Making these 10 mistakes will turn good credit into bad and bad credit into lenders-won't-go-near-you credit. ... (more)

Credit Card Help: 7 things you must know about credit cards -- Forge a positive and fruitful relationship with credit cards by learning the basics before you apply for an account. ... (more)

Credit Card Help interactive guide: Learn to read, understand your credit report -- This interactive guide displays an example of a personal credit report and explains how each part works. ... (more)

Credit Card Help: 8 tips to keep credit card rates and fees low -- As the cost of credit creeps ever higher, micro-managing your finances is assuming greater importance. Here are 8 tips to help you keep your interest rates and fees low. ... (more)

Joint accounts: Till debt do you part -- Having a joint credit card with your spouse doesn't cause your credit histories to mix. But missing a payment will affect both credit scores ... (more)

Credit card authorized users, joint account holders: Know the difference -- The differences are significant between authorized users and joint account holders -- especially in payment responsibilities. ... (more)

FICO scores stable despite slashed credit limits, study says -- Nearly 20 million consumers had their credit lines reduced or eliminated over a six-month period in 2008 through no fault of their own, but credit scores overall were largely unaffected, according to a recent study by credit scoring giant FICO ... (more)

7 cases when it's OK to carry a credit card balance -- It's generally unwise to carry a balance, but sometimes the alternatives are worse. ... (more)

Credit card interest rates - interactive graphic on APR changes -- Since coming under financial pressure, credit card issuing banks have stopped passing along rate cuts from the Federal Reserve, CreditCards.com data show. ... (more)

New survey finds most common ID theft victims -- The most common identity theft victims are middle-aged married females, divorcees, or those who make more than $75,000 a year, according to a December 2008 survey released by Nationwide Insurance. ... (more)

7 tips for starting a credit history amid an economic crisis -- In today’s rocky economy, those seeking credit for the first time must adopt new strategies, think creatively. ... (more)

FTC charges seven credit repair companies with deceit -- The Federal Trade Commission filed a complaint today with the U.S. District Court of New Jersey accusing seven companies and their principals of violating federal law by falsely promising to erase all negative information from a consumer's credit report. ... (more)

Credit card video: Unusual items on your credit report -- CreditCards.com's Jeremy Simon talks about how unexpected items such as library fines, cell phone bills and speeding tickets can appear on your credit report and hurt your credit score. ... (more)

Credit card video: What is a credit utilization ratio? -- A finance expert explains what a credit utilization ratio is and how it affects your credit score. ... (more)

Credit card glossary terms to know when you're in debt -- Experts advise to always pay off your balance, don't spend more than you have and keep your credit balance well below 50 percent of your available credit. ... (more)

Credit card glossary terms to know for identity theft -- The most proactive step consumers can take to detect fraud is to monitor closely their bank and credit card statements. ... (more)

Credit card glossary terms to know for first-time card users -- Ready for your first credit card? Before you start charging, here are credit card terms that will help you become a responsible credit card user. ... (more)

Credit card delinquencies fell year to year, TransUnion says -- Although recent data showed an annual decline in credit card delinquencies during late 2008, that trend is likely already over. ... (more)

Good credit cardholders lumped in with bad -- Banks are pulling back more than ever before to limit the amount of risk they have, so even perfect payment clients are compromised ... (more)

Credit card charge-offs hit record high in January -- Banks increasingly abandoned their attempts to collect money from delinquent credit cardholders in January, according to research and risk analysis firm Moody's. ... (more)

When credit card debt ruins retirement -- When credit card debt dulls the glow of your golden years, you have options: reverse mortgages, bankruptcy or credit counseling. ... (more)

Mad at your credit card issuer? You still have to pay -- Mad at your credit card issuer? While you may resent having to pay that bill, choosing not to pay it will hurt you even more. ... (more)

ID theft, debt collection top list of consumer complaints -- In the Federal Trade Commission's 2008 compilation of consumer gripes, ID Theft ran first for the ninth straight year, and complaints about credit cards jumped into the top 20. ... (more)

Laid off and in debt: 5 steps to take now to keep credit intact -- Millions of Americans are now without jobs, and many most likely carry credit card debt. Here are steps to take immediately to protect your credit. ... (more)

Example shows how switching credit cards has become harder, costlier -- We took some typical prices of cards and fees in the credit card marketplace of early 2009 and find that for the credit card shopper who fits the average, the cost is ... ... (more)

Don't like your credit card terms? Just switch, right? Maybe, maybe not. -- If you don't like your credit card, just get a new one, right? Not so easy any more. ... (more)

Issuers offer new tools to aid, educate credit cardholders -- The lending industry may have played a major role in leading us into the current financial crisis, but when it comes to consumers' personal finances, credit card issuers want you to know they are here to help. ... (more)

Minor's credit card contract raises legal, ethical questions -- A credit card contract with 17-year-old is likely not enforceable -- with some exceptions. However, continuing to run up debt on that card raises some tricky moral and ethical questions. ... (more)

Not all issuers allow you to opt out of rate increases -- When hit with a sudden increase to your APR, most card companies allow you to opt out, keep the old rate and pay off the balance, but not all are so kind. ... (more)

Consumers lose access to major credit score -- Consumers have lost access to a key version of the credit score many banks use to make lending decisions. ... (more)

Despite media reports, with good credit, you can get a credit card -- "Credit crunch." "Card issuers tightening their belts." "Credit limits cut." "Interest rates jacked." You've seen the headlines, but just how bad is it? Can you still get a credit card? ... (more)

6 ways to protect your identity in a data breach -- As data breaches become more prolific, it's important to be more proactive in protecting yourself from identity theft. ... (more)

Lessons in paying off delinquent debt -- Settling an old debt won't necessarily improve your credit score, but it can free you of the collection process and to know that you made good on your obligation ... (more)

Credit card forbearance programs offer reprieve from debt -- Major credit card issuers' programs that allow temporary relief for overstretched cardholders are busier than ever, and some of the issuers are improving them. ... (more)

Experian FICO score may soon be off-limits to consumers -- Come Valentine's Day, you will likely lose access to your FICO score from credit bureau Experian, even though lenders will continue to use that score to make decisions about your credit. ... (more)

Fitch: Credit card late payments hit record high, charge-offs spike -- Fitch Ratings reports that the recession is taking its toll on credit cardholders, as a record number of them pay their bills late. ... (more)

Couples should debt plan when estate planning -- Avoid headaches for surviving spouses by taking responsibility for debt balances into estate planning. ... (more)

Income down, bills up. Time for credit counseling? -- When faced with spiraling debt, seeking advice from an accredited debt counselor will help you consider your options. ... (more)

Used wisely, small business credit cards keep business afloat -- Wisely used credit cards can be a convenient source of cash for anyone, but for business owners, the stakes are often higher since credit cards can help small businesses stay afloat ... (more)

When medical problems hit, bankruptcy can make sense -- Bankruptcy laws were created for catastrophic situations, not for carelessness. However, filing should be done only when other options have been considered. ... (more)

Long-awaited credit scoring revisions unveiled -- The rollout of the long-awaited update to Fair Isaac's popular FICO credit scoring model was finally announced today, but it will likely take some before the changes have a real impact. ... (more)

7 credit card myths debunked -- We've all heard them, and we've probably believed more than a few. But living by a credit card myth can cost you in fees and hurt your credit rating. Here are seven of the most pervasive credit card myths to watch out for. ... (more)

5 tips for talking to elderly parents about credit card debt -- As parents age, many of their children have to get more involved in their finances. We look at when, why and how to step in, how to handle problems that broaching the topic might create, and how to handle the relationship on an ongoing basis once you've gotten involved. ... (more)

6 tips for choosing a money club -- Looking at joining an existing money club? Here are six factors to consider to make the best match. ... (more)

When loaning money, weigh your own financial situation first -- When helping someone out financially, a good rule of thumb to consider is if the assistance would immediately or in the future cause havoc with your own personal finances. ... (more)

Bankruptcies surge in 2008, passing 1 million mark again -- Personal bankruptcies surged to more than 1 million filings in the United States in 2008 -- the most since a rewrite of bankruptcy laws took effect in 2005. ... (more)

The spiritual side of debt counseling: faith-based debt counselors abound -- For the devout in search of debt counseling, faith-based organizations can offer more than just number-crunching, dollars-and-cents advice. They can offer spiritually sound financial counsel that can help debtors chart a course to financial freedom. ... (more)

Are you a bankruptcy risk? Enigmatic score may tell lenders -- It's a number that lenders may consider when deciding whether or not to lend you money, but it isn't the well-known credit score. Meet the bankruptcy score, the credit score's more mysterious cousin. ... (more)

Suspect identity theft? How to check for, fix ID theft or fraud -- You can opt out of unwanted mail solicitations, but a sudden flurry could be a hint that new credit has been opened in your name. ... (more)

More Americans getting free FICO scores -- Fair Isaac inks deal to let credit union members see once-secret score at no charge. ... (more)

Your credit card is a tattletale: With electronic payments, little is private -- Credit card issuers have access to a wealth of information about where you shop, how much you spend and how often. Increasingly, they use that data to change your access to credit. ... (more)

Here's how to help young adults with bad credit -- Many young adults find themselves in credit card debt with no means or knowledge on how to get themselves out. Here's some advice. ... (more)

6 new rules for negotiating changes in credit card terms -- With credit card companies slashing credit lines and raising interest rates to recoup heavy losses, cardholders face new hurdles when trying to negotiate credit card terms. ... (more)

Statute of limitation for credit card debt, all 50 states -- Creditors have a limited time in which to file suit over unpaid credit card debt. Here are the statutes of limitation for all 50 states, plus the District of Columbia. ... (more)

7 irrational credit card fears (and 7 REAL worries) -- Are you or someone you know afraid to use -- or even obtain -- plastic? Sure, credit cards come with a series of essential cautions, but overall they are safe and useful financial management tools. ... (more)

Credit card balance transfers: The landscape is changing -- Balance transfers are valuable tools, but the radically changed 2009 landscape means they're trickier and harder to find. ... (more)

Best credit card stories of 2008 -- The year 2008 saw unprecedented change in the credit card industry, turning card debt from convenient friend into everyone's enemy. These are the top 10 stories that helped chronicle it. ... (more)

9 predictions for credit cards in 2009 -- This has been a tumultuous year for credit cardholders and issuers. What does 2009 hold? We'll take a look. ... (more)

Credit card consolidation -- Methods for credit card consolidation and how to save money in interest and finance charges. ... (more)

Medical identity theft: what it is, how to prevent it -- Treat your health insurance card as you would a credit card or driver's license, because like the other forms of identification, great harm can be done if it falls in the wrong hands. ... (more)

Strategies for escaping a too-expensive auto lease -- If you signed an lease that turns out to be unaffordable, you have a few options, but most aren't pretty. ... (more)

Credit score formulas not changing as credit limits slashed -- Banks' decision to cut credit limits may hurt cardholders, but borrowers shouldn't expect any immediate help from the companies that decide how those lines of credit impact credit scores. ... (more)

Leaving debt behind in another country -- Although credit scores don't cross borders, don't bank on being able to just move away from your money troubles. ... (more)

Your future monthly credit card statement -- Federal regulators have asked credit card issuers to make monthly statements sent to millions of credit card users easier to understand. The deadline for the changes to take effect is July 1, 2010, although some issuers may roll out revamped statements sooner. ... (more)

Ignoring old debt can come back to haunt -- Lenders view delinquent, but paid off debt better than delinquent unpaid debt. ... (more)

Understanding credit card minimum payments -- Your credit card's minimum-payment-due amount can be a mysteriously shifting figure that makes a significant impact on the monthly budget. We'll help you solve the riddle. ... (more)

7 tips to avoid a credit card late fee -- Being even a minute late with a credit card payment can cost you dearly -- as much as $39 each time, according to one recent survey -- but some simple steps can help keep your exposure to these extra costs to a minimum. ... (more)

Just say no to store credit cards -- There are too many reasons why you shouldn't want a credit card for every store in the mall, so pass up those one-time discounts. ... (more)

Keeping your credit score clean before you close on a home -- Unwitting homebuyers who go on a credit card binge risk losing their pre-approval status and financing. ... (more)

The rules behind getting a free credit report -- FACTA provides that the three major credit reporting bureaus must provide a free copy of your credit report every 12-month period. ... (more)

Student credit card issuers losing their welcome on campus -- Despite the big money many colleges earn from making deals with card issuers, some schools and states are clamping down on giving banks access. ... (more)

Tips for college students considering credit cards -- Consumer advocates and college officials offer advice to students who may not be familiar with the world of credit cards ... (more)

Card issuers increasingly quick to close dormant, inactive accounts -- The message these days from credit card issuers to customers who aren't using their plastic is a blunt one: Use it or lose it. ... (more)

Got bad credit? Know your bad credit credit card choices -- Those with bad credit have choices -- some dangled by predators looking to make their money problems worse. ... (more)

How to talk to creditors when you can't pay credit card bills -- A step-by-step guide to talking with creditors when there isn't enough cash for a complete payment. ... (more)

When collectors come after you for ex's unpaid debt -- It's an all-too-common problem: Your ex defaults on credit card debt on a joint account, so collectors are coming after you. What are your options? ... (more)

Protecting your children from identity theft -- Since years can pass before their crime is detected, identity thieves increasingly target children. ... (more)

Step-by-step guide to checking your minor child's credit -- If there are indications your child's identity has been stolen, these steps will help you successfully contact the credit bureaus to check. ... (more)

Help! My APR's been hiked to 27.99 percent -- Credit's tight and your card issuers are reacting by boosting interest rates. Your choices are either to pay off the balance or transfer to another card. ... (more)

Paying less than minimum won't ward off garnishment -- Paying less than the minimum amount won't ward off garnishment. It's best to contact creditors directly to work out a payment plan. ... (more)

Debt collectors to debtors: Let's make a deal -- The tough economy is forcing debt collectors to rethink how they do business. Many will now accept down payments and a little each month from cash-strapped debtors. ... (more)

Pros and cons of various sources of home down payments -- Down payments are once again a must to qualify for a mortgage. There are many sources, each with its own advantages and drawbacks. ... (more)

Credit card cash advances for a home down payment? Not smart -- With no-money-down mortgages gone, lenders say they sometimes see buyers draw credit card cash advances to make their home down payments. ... (more)

Consumer credit report statement sample letters -- Our collection of sample letters -- tailored to satisfy each of the Big Three credit bureaus and fit several situations -- can help you plead your case on your credit report. ... (more)

Higher limit or second card will impact your credit score -- If you think your credit limit's too low, you may consider either asking your current issuer for a higher limit or getting a second card. Either way, don't forget to consider the impact the move will have on your credit. ... (more)

Building a credit history without credit cards -- Living without credit cards can lead to a "thin" credit file where lenders don't have enough evidence that you are a good credit risk. ... (more)

CreditCards.com's credit crunch survival guide -- Credit's getting tougher to come by these days, and this credit crunch impacts virtually every American. So what is a consumer to do? It depends on how you use your card. With that in mind, we've created this guide to help you make your way. ... (more)

Store credit cards still offered, but approvals become stricter -- While it may sound enticing to save 15 percent off your purchase at the checkout counter by applying for that retail credit card, your chances of getting approved for a store credit card are getting slimmer. ... (more)

Disabled vet seeks relief from credit card debt -- A disabled veteran living on a fixed government income is overcome by credit card debt and seeks a way out. ... (more)

U.S. spending and credit card offers decrease in wake of economy -- Consumers aren't much in the mood to spend, and credit card issuers aren't much in the mood to let them, two new reports say. ... (more)

Take control of debt, avoid bankruptcy -- Bankruptcy is not the easy solution to debt reduction -- it's expensive, takes time and paperwork and destroys your credit rating for almost a decade. ... (more)

Opening Credits: Better credit can improve your job prospects -- Going for a first job? Great. Buff your credit report as well as your resume, because employers these days look at both. ... (more)

Authorized user piggybacking: When should the credit ride end? -- Young people who ride their parents' credit scoring coattails through 'piggybacking' eventually need to go out on their own credit paths -- but carefully, experts say. ... (more)

Fed report: Banks tighten lending standards even more -- Lenders are sharply tightening standards, by cutting credit limits and increasing minimum payments and required scores. ... (more)

Credit card addiction: How to break the spending cycle -- For compulsive buyers, the overwhelming need to buy is an obsession that can ruin finances, marriages, careers and even lives, say compulsive shopping addicts and researchers. ... (more)

Steps to avoid wage garnishment -- Leaving the country to escape credit card debt doesn't guarantee that it will be gone if and when you come back. ... (more)

Consumer, lender groups join to ask Feds for credit card debt forgiveness -- Many consumers can no longer qualify for traditional debt reduction plans, two groups have asked to test a more generous debt-reduction plan. ... (more)

Consumers, credit bureaus grapple with 'thin file' credit score problem -- Thin is good -- unless it's your credit file. There it can be a problem, since lenders are wary of consumers who haven't already taken out loans. ... (more)

How HUD evaluates nontraditional credit for FHA mortgages -- Here are some of the guidelines issued in 2008 by the U.S. Department of Housing and Urban Development for establishing and evaluating nontraditional credit histories. ... (more)

How wage garnishment works -- and how to avoid it -- Ignoring outstanding credit card debt can take a bite out of your paycheck as judgments for wage garnishments can follow. ... (more)

Learn the ABCs of credit scores, credit scoring -- Credit scores are intriciate, but increasingly important for consumers to know about. We'll break down the credit scoring basics. ... (more)

Learn the three Cs of credit: Credit score, capacity to pay, collateral -- When deciding whether to finance an item over time, consider the three Cs of credit to see if it will hurt your credit score. ... (more)

FTC cracks down on 'credit repair' scammers -- The Federal Trade Commission today announced the forced closure of a number of businesses that targeted consumers with false claims of boosting their credit scores. ... (more)

How to buy a car with a credit card -- and when not to -- Not all car dealers let you, but for those with rewards cards and faith in their ability to repay, buying a car with a credit card can make sense. ... (more)

Credit recovery advice: Start slow, do it right this time -- When pulling out of bankruptcy, it's important to understand how you got there in the first place in order to avoid getting there again. ... (more)

Three years later, bankruptcy law fails to quash filings -- On the third anniversary of bankruptcy reform law, critics wonder how much bankruptcy filings will grow in economic downturn. ... (more)

Bankruptcy filings, state by state, 2005-2009 -- Interactive map shows rate of each state's bankruptcy filings, and how the pace fell off a cliff in 2005, then rebounded. ... (more)

Study: Delinquencies ramping up for those who took out mortgages recently -- It used to be that homeownership was a mark of stability, a factor that lenders took into account by opening their vaults a little wider to those who had mortgages. No more. ... (more)

6 credit card terms you can negotiate and change -- If you have a high credit score, you may have more leverage than you think in negotiating over these six terms. ... (more)

Advocates for the blind take aim at touch-screen terminals -- For the blind, it's tough enough already to tell a $5 bill from a $20. New payment technologies such as touch-screen point of sale terminals now pose new challenges. ... (more)

How balance transfers impact your credit score -- The ratio between how much credit you have available and how much credit is used is calculated as part of the amounts-owed category when calculating your credit score. ... (more)

Treasury, Ad Council team up to promote credit smarts among young consumers -- New educational campaign targets younger consumers with the message: Take control of your credit and personal finances. ... (more)

Credit card penalty rates: Mistakes that trigger default APRs -- Credit cardholders should recognize that they may be just one late payment away from credit card penalty (default) rates, and sharply higher bills. ... (more)

Deadline passed for free TransUnion credit monitoring -- Sept. 24 was the final day for members of the public to sign up for free credit monitoring. ... (more)

Credit card debt up, delinquencies down in Q2, report says -- Americans had more average credit card debt and delinquencies were down slightly during the second quarter of 2008. ... (more)

How credit card balance transfers affect your credit score -- When a consumer is faced with a high-rate card, switching to a lower-rate card is smart, if you do it right. ... (more)

What is debt reaffirmation? -- Reaffirming a loan can be necessary, but too many consumers say debt collectors tricked them into doing it accidentally. ... (more)

6 bad reasons debtors reaffirm debt -- Emotions, lack of knowledge and even deception can play a role in a debtor's decision to reaffirm a debt. ... (more)

9 questions to ask before you reaffirm an old debt -- You need facts to decide whether to reaffirm a debt. These questions will ferret them out. ... (more)

Identity theft sample letters -- If you've been a victim, this step-by-step guide and set of printable letters can help retrieve your name. ... (more)

Can credit repair companies ruin your credit score? -- With $23,000 in credit card debt, can a credit repair company erase or reduce that debt legally without hurting your credit score? ... (more)

Pros and cons of using social lending for credit card debt consolidation -- Social lending can be a good choice for consolidating and retiring credit card debt, but has drawbacks ... (more)

How to use social lending to consolidate credit card debt -- Shedding credit card debt is the most common cause that people seek loans on 'social lending' sites such as Prosper. ... (more)

Pregnancy or paying down debt? How to fit a baby into your financial future -- Your heart -- or your ticking biological clock -- says it's time to have a baby. Your credit card bill, however, may be saying something else. ... (more)

Patience is key to credit score repair -- It takes time and patience for your credit score to rise after you pay off neglected credit card debt, says CreditCards.com columnist Todd Ossenfort. ... (more)

When is the right time to retire a student credit card? -- If your student credit card has a low credit limit and high interest rate, you should look to graduate to a better card. ... (more)

Protect your computer -- and your identity -- on campus -- Students heading to college need to take precautions to protect their computers and the sensitive information they contain. ... (more)

CreditCards.com 'Taking Charge' survey, part 2: People adapt card use to changed economy -- A new CreditCards.com survey suggests the financially fit are surviving the economic downturn, but others are not. ... (more)

CreditCards.com 'Taking Charge' graphs, part 2: People adapt card use to changed economy -- These graphs show how Americans are adapting to a changed economic landscape. ... (more)

Cancel that credit card, take the credit score hit -- Yes, canceling a credit card can hurt a credit score, but it's worth it if you're struggling, says The Credit Guy. ... (more)

Taking Charge poll: Nearly 3 of 4 Americans favor government regulation of credit cards -- The second annual CreditCards.com 'Taking Charge' survey says Americans mistrust but need credit cards. ... (more)

Add positive information to your credit report to balance the negative -- To help boost your credit score after paying off delinquent accounts, you need to add some positive information to your credit report that will help balance the negative. ... (more)

Hiding credit card debt -- The exact number of men and women who hide credit card debt from a partner isn't known, but anecdotal evidence and interviews with financial planners suggest that the problem is widespread. ... (more)

Tips for uncovering, dealing with hidden credit card debt -- If you find a loved one has hidden debt, you could scream, fight or even ask for a divorce. Experts, however, say there are better choices. ... (more)

Could you live without credit cards? Here's how some people do -- Forgoing credit cards and leading a cash-only lifestyle today seems as foreign as mailing a handwritten letter: We know some people do it, but it's hard to understand why. ... (more)

Surprise! Unexpected items can appear on a credit report -- Hoping to keep your credit score up? You’ll not only want to stay current with your credit card bills, mortgage payments and student loans -- you may also need to pay any outstanding library fines. ... (more)

Steps to take when collectors violate your rights -- As a credit card account authorized user, you have no financial responsibility for this account, and the bank knows it. That doesn’t stop unscrupulous companies from trying to collect, however. ... (more)

Authorized user 'piggybacking' for better credit score given reprieve by FICO -- A controversial score-raising technique that had been slated for phase-out gets new life. ... (more)

Steps to take to repair your credit -- When repairing your credit score, it's best to just start making payments on bad debt rather than trying to negotiate the balance down, says Todd Ossenfort, 'The Credit Guy.' ... (more)

Lending crisis leads to cutting credit limits, hurting consumers' scores -- Cowed by the lending crisis, card issuers are quick to cut credit limits, an act that lowers the ratio of used to available credit, which hurts credit scores. ... (more)

What to do if a credit card issuer cuts your credit limit -- You have alternatives to regain your limit -- and a higher credit score. ... (more)

What happens to credit card debt if a bank fails? -- If a card-issuing bank were to fail, consumers would still owe the money and have to pay it -- but to someone else. Terms might change, too. ... (more)

When is a credit card's 'fixed rate' not really fixed? -- If you sign a credit card agreement with an issuer that claims to practice 'universal default,' your 'fixed' interest rate can be raised at any time. ... (more)

13 greatest credit card songs: How cards, debt are seen in popular music, songs -- Songs about money are a dime a dozen. But where's the love for credit cards? We found it. Here are 13 songs by everyone from George Strait to Whitney Houston. ... (more)

After creating a debt management plan, stick to it -- CreditCards.com columnist Todd Ossenfort strongly recommends that once you're in credit counseling, stick to the goals set up in a debt management plan and avoid temptation to get into more debt. ... (more)

Is selling your house to pay down debt a good idea? -- A reader who has $75,000 in credit card debt wants to know if selling her house to pay off debt is a good idea. ... (more)

12 debt questions to ask before getting married -- Before you say, "I do," you should get to know each other's financial health, and nothing says it better than your credit report. Here are 12 questions to ask your betrothed. ... (more)

Canceling a credit card vs. keeping a bad one: Compare costs -- Weighing the true cost of canceling a credit card with an annual fee: How much will it hurt your credit score? ... (more)

Credit checks for job applicants become more common -- Increasingly, job hunters are required to allow credit checks during the application process. It's legal, but the applicant has rights, too. ... (more)

VantageScore credit score product combines three scores into one -- The VantageScore, introduced in 2006, credit scoring product combines Equifax, Experian and TransUnion credit scores into one score. ... (more)

Credit repair good guys: How to find legitimate reselling and rescoring firms -- Credit repair firms say they can boost your credit score, but it's credit resellers who do the job for less hype, less money and less mystery. ... (more)

More colleges offer courses in money, debt management -- Basic personal finance is not typically on the short list of required college courses, but universities are realizing that the more they teach students how to manage their money now, the more prepared they are to ward off debt in the future. ... (more)

Adulthood, legal rights and credit cards: Turning 18 with a credit card -- At 18, young adults can apply for credit. Can you -- or your teenage son or daughter -- handle it? ... (more)

Tips for choosing fee harvesting credit cards -- People with bad credit may have few options for getting a credit card. Experts advise doing a lot of research before signing up for fee harvesting credit cards. ... (more)

5 sneaky credit card tricks -- and how to beat the bank -- Just like Three-Card Monte, these tricks can clean out your wallet faster than you can pick a card, any card. ... (more)

Relatives must be careful when asked to co-sign on a credit card. -- Relatives must be careful when asked to co-sign on a credit card. ... (more)

Consumers could see refunds from $200 million for 'fee harvesting' credit cards -- Federal regulators are seeking $200 million in restitution for consumers from a major credit card marketer and two banks for how they marketed and issued subprime credit cards. ... (more)

Credit card issuance a matter of black and white? -- Do all Americans really have equal access to credit cards or are some groups more likely to be granted credit than others? A study found where you live may play a key role in whether you're granted a credit card. ... (more)

Good credit customers: Shop around for the best interest rates -- If you have good credit, it pays to shop around for lower interest rates. ... (more)

9 tips for dividing credit card debt -- Got credit card debt? Going through a divorce? These steps will help you cope -- and not get stuck with your ex's tab. ... (more)

3 things you should never check daily: your weight, your stocks and your credit score. -- There are three things you should never check daily: your weight, your stocks and your credit score. ... (more)

Authorized user or joint account holder? -- There are major differences between an authorized user and joint account holder for credit card accounts. One is liable for unpaid balances and the other is not. ... (more)

Free credit report and notice of potential interest rate hikes could be required in proposed new rules -- New proposed rules would require credit card issuers to send notices and provide free credit reports when consumers are subject to interest rate hikes based on credit reports. ... (more)

Top 10 ways students ruin their credit -- College can be a great time to enjoy independence and build a foundation for the future, or an opportunity to begin their careers with unnecessary credit card debt. ... (more)

Two years behind on credit card payments -- How do you even begin to pay back credit card debt that is two years old? ... (more)

Self control and credit cards -- Don't shun credit because you've had trouble with overspending in the past. A strategy of taking on credit in small doses is better for you, says Sally Herigstad. ... (more)

Credit issuers becoming less willing to cut deals with debtors -- Credit counseling agencies could once negotiate lower interest rates on behalf of debt-ridden clients. But credit card issuers are no longer willing to be as forgiving. ... (more)

Credit inquiries and your credit score -- The Credit Guy explains how credit inquiries negatively impact your credit score and how long these inquiries remain on your credit report, as well as advises readers to not needlessly shop for credit. ... (more)

How to handle collection calls for a dead person's debt -- After a death, creditors may come calling. Here's what to say. ... (more)

To co-sign or not to co-sign -- A mother wants to help her daughter buy a house, but due to the daughter's bad credit, will have to co-sign the loan. 'To Her Credit' columnist Sally Herigstad weighs the benefits and the risks of co-signing on someone else's loan. ... (more)

Understanding how credit scores work -- Find out all the different elements that are considered when your credit score is compiled. ... (more)

Establishing credit after divorce -- A stay-at-home mom who finds herself divorced with no credit of her own gets a path to her own credit history from 'To Her Credit' columnist Sally Herigstad. ... (more)

Improving credit to refinance a truck or auto loan -- Steps to take to build a strong credit score. ... (more)

While paying off debt, learn investing, says 'To Her Credit' columnist Sally Herigstad -- If put off investing, you may get bogged down in trying to pay off your debts and never be able to start your portfolio. ... (more)

Credit, credit scores and walking away from truck, auto lease -- Seven months after leasing a new truck, a woman realizes she's in too deep and needs to get out of her lease. ... (more)

Don't let a disability ruin your credit -- An unexpected illness or injury can send you into debt and sink your credit rating faster than you can say, 'I need disability.' ... (more)

Recession-proof your credit and finances -- Economic downturn. Temporary slump. Whatever you want to call it, you need to be prepared financially for economic ups and downs. ... (more)

Consider all options before filing for bankruptcy, says The Credit Guy -- The reason that bankruptcy is recommended only as a last resort is because of the personal and financial toll a bankruptcy has on a person or family, The Credit Guy advises a reader. ... (more)

Card issuers' bad earnings reshape credit card offers -- The awful annual results reported by credit card issuers may not be felt only by shareholders. They have begun to cause pain to some credit cardholders, as well. ... (more)

Relocation and credit cards: managing credit and moving -- Prevent unnecessary expenses and maintain your credit score by keeping tabs on your credit cards and debt during a move. ... (more)

Car's too small, loan's upside down -- A woman who needs a bigger car but who is upside down on her car loan should focus on paying down the debt before looking at bigger vehicles, says The Credit Guy. ... (more)

Q&A: Credit counselor urges consumer education -- Too few people know about or talk about debt, says the head of one of the major counseling accrediting agencies. ... (more)

Consumer credit woes mean boom in debt collection -- If you've never been contacted by a debt collector before, chances are growing you will. Collection activity has increased sharply as the economy swoons, and it's more important than ever for consumers to know their rights. ... (more)

Tips for immigrants building a U.S. credit history -- America lures many who dream of living better. But when immigrants arrive, their credit histories rarely make the trip. ... (more)

Credit card balance transfers -- This series of articles will help you figure out the best way to transfer and consolidate the balance of your debt. ... (more)

Use corporate credit cards wisely -- Used wisely, corporate credit cards can help you achieve career goals and reap personal perks. Used poorly, they can lead to a corporate freefall, or at least a drop of a few rungs. ... (more)

Dad co-signed, I messed up his credit. Now what? -- You ruined Dad's credit score by running up a big debt on a card he co-signed for you, but no, you didn't cost him his house, The Credit Guy advises a reader. ... (more)

The history of credit cards -- A history of credit cards, including the first general use credit card and the first charge card. ... (more)

Be cautious about opening store credit card accounts during the holidays -- Store credit cards may be appealing to shoppers looking to save money, but there are a number of reasons that initial 10% savings may not be enough to make having such a card a winning proposition. ... (more)

Moving abroad? Your credit history in the U.S. won't follow -- No matter how good your credit in the U.S., if you need to establish credit in a foreign country, expect to start over. ... (more)

Credit freezes go national, get chilly welcome -- All three major credit bureaus have rolled out credit freezes as an identity theft fighting tool, but consumer rights groups say the changes don't go far enough. ... (more)

9 ways to avoid the subprime spillover problems -- The tightening of credit in the mortgage world has had limited effects so far among credit card issuers, but there are ways to make sure it won't hit you at all, experts say. ... (more)

4 ways to re-establish credit after bankruptcy -- Most responsible consumers who go through bankruptcy hope to borrow money again at reasonable rates. It can be done. Here's how. ... (more)

CreditCards.com editorial corrections policy -- CreditCards.com strives to publish accurate information. If you believe we have published something in error or wish to comment on an article, please e-mail us at editors@CreditCards.com. ... (more)

Fair Isaac to stop recognizing authorized user accounts -- FICO score developer Fair Isaac plans to introduce a new credit scoring model that does not recognize credit card accounts for authorized users. ... (more)

Credit checks are required before iPhone activation -- Consumers wanting the iPhone must submit to credit checks and may be required to pay up to $1,000 security deposit if credit's no good. ... (more)

Buying a car with a credit card -- Using a low interest credit card rather than a car loan to finance a car could be an option, as long as you are aware of what could trigger an increase in the card's APR. ... (more)

Poor Credit May Impact Your Insurance Rates -- Learn how insurers do not need to notify you if poor credit is affecting your rates. ... (more)

Credit card study shows Americans' feelings towards credit cards -- A new credit card study shows many people think credit cards are an easy way to fall into debt. ... (more)

'Piggybacking' your way out of bad credit -- Consumers with bad credit can pay to 'piggyback' onto the credit card accounts of others in an effort to boost poor credit scores. ... (more)

Free credit report: Do you need to pay for it? -- Manage your credit and decide how to get your free credit report. ... (more)

FICO score change could affect those with bad credit -- A September 2007 tweak to Fair Isaac's FICO credit score is likely to impact consumers with bad credit or those seeking a bad credit credit card. ... (more)

Unemployed? Poor credit can leave you jobless -- Poor credit could affect whether you get hired for a job, since many employers look at applicants' credit reports. ... (more)

How corporate credit card can affect personal credit scores -- Do you have a corporate credit card in your name? If not handled right -- by you or your company -- it can affect your credit score. ... (more)

Advance fee credit cards -- Advance-fee credit cards target consumers with bad credit, but charge massive fees, don't rebuilt credit and can't be used like real credit cards. Avoid them. ... (more)

Bad credit history and delinquent credit cards -- Having delinquent credit cards can quickly result in having a bad credit history and other repercussions. ... (more)

Free credit reports offered to 5,000 students -- Visa provided college students with 5,000 free credit scores as part of 'Financial Literacy Month' for April 2007. ... (more)

Check credit reports to fix errors, prevent credit card denials -- Consumers can avoid potential problems with credit card issuers by running a background check on themselves and then correcting any erroneous personal information listed in public records. ... (more)

Canceling a credit card can impact your credit score -- You may want to cancel a credit card, but it can actually hurt your credit score. ... (more)

Lines of credit and other components of your credit score explained -- Lines of credit, debt amounts and other components of your credit score explained at CreditCards.com ... (more)

Credit scores impact auto insurance rates -- Consumers' use of credit cards affects not only their credit scores, but their insurance premiums as well. ... (more)

Help your credit score by using your credit card -- Don't end up with no credit! Find out how to help your credit score by using your credit card. ... (more)

4 ways to improve your credit score (without going crazy) -- Perfect credit scores are not necessary to get lenders' best rates. ... (more)

Credit card bad credit | Avoiding credit-related debt during the holidays -- By making some good decisions about credit card debt, paying for holiday gifts with plastic doesn't have to be a long-lasting pain. ... (more)

The truth about credit reporting -- Learn things you may not know about credit reporting at CreditCards.com. ... (more)

Credit Report Freeze Laws: Selecting who views your credit history -- Florida passes a law allowing consumers to freeze their credit report and limit who sees their credit report in an effort to reduce identity theft. (July 2006) ... (more)

Credit report errors: How to fix them -- Fix errors on your credit report by directly contacting the credit card companies. ... (more)

Teaching children about credit, debit cards -- If children are going to grow up into financially responsible adults, today's adults need to explain credit and debit cards to them. ... (more)

Credit card debt information (2006-2007) -- Listing of facts and statistics related to the credit card industry and personal debt. ... (more)

Credit Card Tips from TransUnion -- A credit reporting agency shows how credit card applications can negatively affect your credit score. ... (more)

VantageScore: A new company offers credit scores to consumers -- New credit score organization, Vantage Score, rivals FICO scores. ... (more)

Factors that make up credit scores -- How credit bureaus use credit behavior to calculate a score and how to obtain a free credit report. ... (more)

Universal default: What it is, how to avoid it -- Universal default allows credit card companies to periodically check your credit and increase rates if deemed appropriate. ... (more)

What is a credit report? -- Just what is a credit report? ... (more)

Answers to common questions about credit reports, credit reporting agencies -- Credit reports. Credit reporting agencies. Confused? Answers to common questions about credit reports in Q&A format. ... (more)

Credit scores: What's in them, why they're important, how they affect you -- Credit scores are an indicator of your financial health. Here are the basics of how they're built. ... (more)

Credit report: It should be reviewed on a yearly basis -- Learn how pulling your credit report yearly can keep you protected from errors and identity theft. ... (more)

Credit card tips: Do's and don'ts when closing accounts -- Follow these credit card tips when closing credit card accounts in order to maintain a high credit score. ... (more)

Credit Card Terms: A glossary of commonly used words and terms. -- Understand commonly used words, phrases, and acronyms in the credit card industry with this credit cards glossary. ... (more)

Online credit card applications: FAQ about CreditCards.com and your card application -- If you're wondering whether it's safe or smart to apply for a credit card here at CreditCards.com, it's both. Here are answers to frequently asked questions. ... (more)