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Preview: About.com Credit / Debt Management: Most Popular Articles

About.com Credit/Debt Management: Most Popular Articles



These articles are the most popular over the last month.



Published: Tue, 23 Aug 2016 11:21:09 +0000

 



10 Strategies to Paying Off Your Debt When...

2016-08-23T11:21:09Z

Being broke doesn't mean you have to spend your life in debt. Spending less and earning more are two key ways to pay off debt when you're broke.



7 Strategies for Paying High Interest Rate Debts

2016-08-23T11:21:09Z

High interest rates make it harder to pay off your debt. Here are some strategies for paying off debt that has a high interest rate.



Know the Dangers of Debt Settlement

2016-08-23T11:21:09Z

Debt settlement aims to reduce your debt, but often at the expense of your credit history. Find out why debt settlment may not be the best solution.



10 Strategies for Paying Off Your Debt

2016-08-23T11:21:09Z

I;s so easy (and often fun) to get into debt, but painfully difficult to get back out. Here are some strategies to reduce or eliminate debt.



Every Consumer Should Know These 5 Consumer...

2016-08-23T11:21:09Z

Knowing your rights is an important step to protecting your credit. Every consumer should be familiar with these basic consumer credit laws.



2 Ways You Can Pay Off Credit Card Debt

2016-08-23T11:21:09Z

Paying back your credit card debt isn't as easy as getting into it. But, it can be done. With a plan, you can achieve a life free of credit card debt.



4 Ways to Get Your First Credit Card

2016-08-23T11:21:09Z

Like many first steps, getting your first credit card is not always easy. Here are some tips on how and where to get your very first credit card.



Get to Know the Law That Allows Old Debts to...

2016-08-23T11:21:09Z

The statute of limitations on a debt keeps debt collectors from winning a lawsuit. It varies by state & depends on the account's last date of activity.



How to Remove a Charge-Off From Your Credit...

2016-08-23T11:21:09Z

Taking care of charged-off accounts helps improve your credit score, but paying a charge-off usually isn't enough to remove it from your credit report.



Need to Send a Pay for Delete Letter? Use This...

2016-08-23T11:21:09Z

Use this sample pay for delete letter to negotiate removal of negative collection accounts and charge-offs from your credit report.



Beginner's Guide to the Credit Card Billing...

2016-08-23T11:21:09Z

Get a better understanding of how the credit card billing process works from making purchases to making payments.



10 Things That Don't Affect Your Credit Score

2016-08-23T11:21:09Z

Making late credit card and loan payments will definitely hurt your credit score, but there are some payments that will never see your credit report.



Ways to Protect Your Credit Score

2016-08-23T11:21:09Z

Once you make your way to a good credit score, keep it is important. Here are some ways to maintain a good credit score.



Ducking Debt? Here's the Statute of Limitations...

2016-08-23T11:21:09Z

Each state has its own statute of limitations on debt - the amount of time you can be sued for a debt - that can help you decide whether to make a payment or arrangement with a debt collector.



Find Out How Long Negative Information Stays On...

2016-08-23T11:21:09Z

The credit reporting time limit keeps negative information on your credit report for a minimum of seven years, with some exceptions.



Steps to Removing Old Debts After the Credit...

2016-08-23T11:21:09Z

Follow these steps to remove old, outdated information from your credit report after the 7- or 10-year credit reporting time limit has expired.



How Do You Remove Debt Collections from Your...

2016-08-23T11:21:09Z

Technically, debt collections are supposed to stay on your credit report for seven years. But, there are a few ways to remove debt collections sooner.



Tips for Removing Negative Credit Report...

2016-08-23T11:21:09Z

Removing negative credit report information can improve your credit score. Here are some ways to remove negative information from your credit report.



9 Things That Boost Your Credit Score

2016-08-23T11:21:09Z

If you don't like your current credit standing, check out this list of things that can boost your credit score.



6 Ways to Prove You're Credit Card-Worthy

2016-08-23T11:21:09Z

Before you apply for a credit card, it helps to know how to qualify for a credit card. That way, you can estimate your chances of getting approved.



Here's How to Calculate Your Own Finance Charge

2016-08-23T11:21:09Z

To calculate your own finance charge, you just need to know the balance, interest rate, and billing cycle (if it's shorter than one month).



How Do You Dispute Errors on Your Credit Report?

2016-08-23T11:21:09Z

Credit report errors can hurt your credit score. Find out how to dispute credit report errors with the credit bureaus.



How to Rent an Apartment When You Have Lousy...

2016-08-23T11:21:09Z

Renting with bad credit can be easy or hard depending on where you're looking. Find out how to get around the credit check and rent an apartment even with bad credit.



These Are the Rights Every Credit Card User Has

2016-08-23T11:21:09Z

Several laws exist that protect the rights of consumers with credit cards. Become familiar with your credit card rights.



Are You Familiar with the 7 Types of Loans?

2016-08-23T11:21:09Z

Borrowing a loan can help you meet certain financial goals. To help you make the right borrowing decision, here are seven types of loans to know.



The Big Reason You Should Keep Credit Card...

2016-08-23T11:21:09Z

Your credit card balance affects your credit score. Learn the ideal credit card balance for a good score as well as how to get there.



Is Your Credit Card Still Active? How to Find Out

2016-08-23T11:21:09Z

If you haven't used your credit card in a long time, it may be inactive. Here's how you can find out whether your credit card is active.



101 Ways You Can Get More Money to Pay Off Debt

2016-08-23T11:21:09Z

Funding your debt plan might be hard if you depend on your current income. Here are some ways you can come up with extra money to get out of debt.



A Quick Lesson in Debt Types: Secured vs....

2016-08-23T11:21:09Z

Debts can fall into one of two categories: secured and unsecured. Make sure you know the difference before you borrow.



12 Possible Reasons Your Credit Card Applicatio...

2016-08-23T11:21:09Z

A credit card application can be denied because of credit history or other factors. Here are some reasons your credit card application can be denied.



3 Ways a New Credit Card Can Hurt Your Credit...

2016-08-23T11:21:09Z

Opening a new credit card account may have a negative effect on your credit score. However, the point loss may be temporary.



Why a Charge-Off is Terrible News for Your Credit

2016-08-23T11:21:09Z

A credit card charge-off is an account status that shows you've missed several payments. Don't let the name fool you, you still owe a charge-off.



Is a Secured Loan Better Than An Unsecured Loan?

2016-08-23T11:21:09Z

Secured loans are different from unsecured loans in one key way. Secured loans require you to use an asset to secure the loan.



Understanding Your Credit Card Billing Cycle

2016-08-23T11:21:09Z

Credit card operate on a billing cycle, the period of time between billing statements. Billing cycles don't necessarily line up with calendar months.



Here's a Printable Monthly Budget Worksheet (PDF)

2016-08-23T11:21:09Z

Download this free budget worksheet to create a plan for your money each month. There are a color and an ink-friendly black and white version.



8 Things to Know Before Applying for Your First...

2016-08-23T11:21:09Z

You may be nervous about applying for your first credit card, but knowing what to expect from the application process can help ease your concerns.



The Simple Way to Avoid a Finance Charge On...

2016-08-23T11:21:09Z

A finance charge will be added to your credit card balance when you carry a balance on your credit card. Learn how you can avoid paying credit card finance charges.



15 Things That Could Hurt Your Credit Score

2016-08-23T11:21:09Z

Your credit score moves up or down based on the information on your credit report. Here are some actions that can hurt your credit score.



How Does Debt Validation Work, Exactly?

2016-08-23T11:21:09Z

Debt validation is your right question the validity of a debt collection. If the collector can't validate the debt, they can't collect from you.



5 Ways to Pay Off Debt Collections

2016-08-23T11:21:09Z

When you're paying a debt collection, you want to do it in a way that helps your credit. Here are five tactics for paying your debt collections.



Ways Bad Credit Ruins Your Life

2016-08-23T11:21:09Z

Having bad credit can make life extremely difficult. Here are some of the most common side-effects of bad credit.



40 Things You Shouldn't Do When You're Broke

2016-08-23T11:21:09Z

When you're broke, there some things you just can't afford to do. Changing your spending habits is the best way to turn your finances around.



Tips for Getting a Cash Advance on Your Credit...

2016-08-23T11:21:09Z

Credit card cash advances are expensive and generally a bad idea. If you must take out a cash advance on your credit card, here are tips to do it.



4 Steps to Close a Credit Card Correctly

2016-08-23T11:21:09Z

Before you take the scissors to an unwanted credit card, follow these simple steps to be sure your card is closed correctly.



Don't Think You Owe? Ask for Debt Validation

2016-08-23T11:21:09Z

Debt validation is how you get debt collectors to prove you owe them the debt. Get answers to common questions about how debt validation works.



Know the 3 Major Credit Bureaus That Control...

2016-08-23T11:21:09Z

In the US, there are three major credit bureaus that collect your credit account information and sell it to businesses who have a permissible purpose.



3 Ways to Deal with Time-Barred Debts

2016-08-23T11:21:09Z

Time-barred debts are those that are no longer collectible through the court because the statute of limitations on these debts has passed.



How to Avoid Being Stuck With the Charges on...

2016-08-23T11:21:09Z

Learn how to reduce your liability for charges made on your stolen credit card. Responsibility, detection and reporting of stolen cards and false charges.



What Every Consumer Needs to Know About Credit...

2016-08-23T11:21:09Z

Credit card skimming is a type of credit card theft where thieves steal your card information then sell it or use it to make fraudulent purchases.



Six Steps You Can Take to Repair Your Bad Credit

2016-08-23T11:21:09Z

Credit repair isn't a secret skill or process only available to credit repair companies. You have the power and the right to fix your own credit.



2 Bankruptcy Options Every Consumer Should Know

2016-08-23T11:21:09Z

Chapter 7 allows you to discharge debt after some assets have been liquidated. Chapter 13 allows you to discharge debt after completing a payment plan.



10 Kinds of Credit Cards (and How to Use Them)

2016-08-23T11:21:09Z

Don't be confused by all the different credit cards. Get familiar with the different types of credit cards to choose the right one for you.



Credit Card Cash Advance: Definition From the...

2016-08-23T11:21:09Z

A cash advance is one of the types of transactions you can make on your credit. You can get cash in your hand, but the cost may not be worth it.



8 Costly Consequences of Ignoring Debt Collectors

2016-08-23T11:21:09Z

Collectors hassling you for payment? There are consequences to ignoring their attempts to collect. Learn what happens if you don't pay a collection.



4 Reasons to Pay Your Credit Card Bill on Time

2016-08-23T11:21:09Z

A late credit card payment can have more consequences than you might realize. The more late you are, the worse the consequences will be.



Freedom From Debt Starts with This One Thing:...

2016-08-23T11:21:09Z

It can be hard at first, but with some sacrifice and self-discipline, you can learn to live within your means.



5 Things Every Beginner Should Know About...

2016-08-23T11:21:09Z

Starting out with your first credit card can be confusing. Here are some tips that will help every credit card beginner.



7 Things You Should Do if Your Credit Card...

2016-08-23T11:21:09Z

If your credit card application is denied, here are some things you can do to figure out why and improve your chances at getting approved next time.



How Can I Find Out Which Collection Agency I Owe?

2016-08-23T11:21:09Z

There are a few ways you can find out which collection agency you owe. If you can't find them, they'll eventually find you.



Credit Utilization: The 2nd Biggest Factor In...

2016-08-23T11:21:09Z

Credit utilization is the ratio of your credit card debt to credit limits. It has the second biggest factor influencing your FICO score.



Regret Cosigning That Loan? Here's How to Get...

2016-08-23T11:21:09Z

If you want to remove your name from a cosigned loan, the lender will have to agree. Here are steps to get your name off a loan you regret cosigning.



7 Smart Ways to Build Good Credit

2016-08-23T11:21:09Z

Your credit history affects everything from buying a home to financing your education and even getting a job. Do these things to build good credit.



Should You Pay an Old Debt Collection?

2016-08-23T11:21:09Z

Whether to pay an old debt is a common dilemma. If it's still on your credit report, there are more reasons to pay than​ there are to not pay it.



6 Ways to Get a Credit Card Without a Credit...

2016-08-23T11:21:09Z

Getting a credit card with no credit history is tough, but not impossible. Find out how to get approved for a credit card when you have no credit.



6-Step Guide to Creating a Budget

2016-08-23T11:21:09Z

Making a budget is the first step to paying off your debt. Having a budget is one of the most important steps to managing your money.



What to Do About Bogus Charges on Your Credit...

2016-08-23T11:21:09Z

If you spot unauthorized credit card charges, you should report them immediately, regardless of the amount, even if you haven't lost your credit card.



9 Attractive Benefits of a Good Credit Score

2016-08-23T11:21:09Z

Good credit is one of the best things that can happen to your finances. Check out these nine benefits of having a good credit score.



How to Give Less Money to the Credit Card Company

2016-08-23T11:21:09Z

Paying credit card interest can be expensive, but there are ways you can avoid paying interest on your credit card. Avoiding can save you hundreds.



Three Ways to Figure Out Your Credit Card Due...

2016-08-23T11:21:09Z

Knowing when your credit card bill is due is important to paying on time. Here's how to know when your credit card issuer expects your payment.



Here's How Paying a Charge-Off Will Affect Your...

2016-08-23T11:21:09Z

A charge-off causes serious damage to your credit score. You may hope you can improve your credit score by paying it. That may not happen.



How to Write a Letter to Close Your Credit Card

2016-08-23T11:21:09Z

You can close your credit card over the phone, but a letter gives you proof. Here's a sample letter you can use to close your credit card account.



How Do Collection Accounts Affect You and Your...

2016-08-23T11:21:09Z

How worried do you have to be about a call or letter from a debt collector or a debt collection on your credit report?



Four Steps to Rebuilding a Bad Credit History

2016-08-23T11:21:09Z

Rebuild your bad credit to prove to your creditors that you can pay your bills on time. Learn what it takes to rebuild your bad credit score.



Thinking of Getting a Personal Loan? What You...

2016-08-23T11:21:09Z

Personal loans are unsecured loans with a fixed amount = and repayment period. Here's what you should know when you're shopping for a personal loan.



Help! Someone opened a credit card in my name!

2016-08-23T11:21:09Z

If you discover that a thief or scammer has opened a credit card in your name, contact the credit card issuer to have the card closed immediately.



How to Survive a Zombie Debt Attack

2016-08-23T11:21:09Z

Zombie debt is old debt purchased by debt collectors hoping to intimidate consumers into paying. You have several tools you can use to fight back.



Understanding Your Annual Fee (and How to Avoid...

2016-08-23T11:21:09Z

Some credit cards charge an annual fee each year you have your card. In some cases, the annual fee is worth it, but it depends on the card's benefits.



Do You Qualify for Chapter 13 Bankruptcy?

2016-08-23T11:21:09Z

Chapter 13 bankruptcy is for the individual consumer who has a regular income and doesn't qualify for Chapter 7 bankruptcy or the individual who has assets they don't want to have liquidated.



An Overview Of Your Credit Report and Score

2016-08-23T11:21:09Z

Your credit history is compiled in a single credit report and used to calculate your credit score. Learn your credit report and score affect you as a consumer.



Why You Should Never Get a Credit Card Cash...

2016-08-23T11:21:09Z

Fees and interest make credit card cash advances the most expensive transaction. Learn why you should avoid a credit cash advance as much as possible.



How to Use Goodwill Letters to Remove Negative...

2016-08-23T11:21:09Z

You can use a goodwill letter in credit repair to request a creditor make a courtesy update to your credit report for an account you've already paid.



How to Stop Those Annoying Calls from Debt...

2016-08-23T11:21:09Z

Debt collection calls are usually unwanted and can border on harassment. The federal law gives you rights that help you stop debt collector calls.



Should You Keep a Credit Card With a Low Credit...

2016-08-23T11:21:09Z

If you're approved for a credit card with a low credit limit, it may be the credit card or it may be your credit. Learn what to do with a low limit credit card.



8 Reasons Your Credit Score Just Dropped

2016-08-23T11:21:09Z

Here are 8 possible reasons that your credit score dropped. Learn if one of these explains your credit score drop and learn whether you can fix it.



How Long Does it Take a Payment to Post to Your...

2016-08-23T11:21:09Z

When you make a credit card payment, it may not post right away. Here's when you can expect your credit card payment to post to your account.



8 Things You Should Know About Every Credit...

2016-08-23T11:21:09Z

Ignorance isn't bliss when it comes to credit cards. There are certain things you should know about every credit card you carry.



Why Your Credit Limit Increase Was Denied, Even...

2016-08-23T11:21:09Z

Credit card issuers process credit limit increases much like new credit card applications. Learn why your credit limit increase may have been denied.



Steps to Managing Your Debt

2016-08-23T11:21:09Z

Whether you have a little bit of debt or a lot of it, knowing how to manage your debt is crucial to your financial health.



This is How Often You Should Use Your Credit...

2016-08-23T11:21:09Z

Your card issuer may cancel your account if you're not using it. Here are tips on how often to use your credit card to keep it in good standing.



Five Steps to Making a Great Get Out of Debt Plan

2016-08-23T11:21:09Z

Learn how to put together a plan to get out of debt, decide which debts to focus on, and how to create a budget to get out of debt.



How to Remove a Closed Account From Your Credit...

2016-08-23T11:21:09Z

There are some strategies you can use to remove a closed account from your credit report before the credit reporting time limit is up.



What is a Credit Card Issuer?

2016-08-23T11:21:09Z

Many people mistakenly think Visa or MasterCard is their credit card issuers, but that's not the case. Who is your credit card issuer?



How To Freeze Your Credit Report at Each Credit...

2016-08-23T11:21:09Z

You can prevent identity theft by freezing your credit report. A security freeze locks your credit report and thieves can't get credit in your name.



Bad Credit? A Secured Credit Card Can Help

2016-08-23T11:21:09Z

A secured credit card can help you re-establish your credit history if you have bad credit and you find it hard to get approved for a credit card.



Here Are the Ways a Loan Can Affect Your Credit...

2016-08-23T11:21:09Z

Taking out a loan can impact your credit score. Even applying for one can reduce it. Learn how borrowing money affects your financial health.



Five Best Prepaid Debit Cards

2016-08-23T11:21:09Z

The best prepaid cards have minimal fees along with free direct deposit and online bill payment capability. Check out a list of the best prepaid cards.



Pros and Cons of the Green Dot Prepaid Credit...

2016-08-23T11:21:09Z

The Green Dot Prepaid Card can be used for electronic payments just like a credit or debit card, but without the credit check or checking account.



Why Your Debt-to-Income Ratio is Important (And...

2016-08-23T11:21:09Z

Your debt to income ratio indicates your level of debt. Learn how to calculate and analyze your debt to income ratio.



How Your Creditors Calculate Finance Charges

2016-08-23T11:21:09Z

The average daily balance method is one of the ways your creditor might calculate your finance charge. Find out how the calculation works.



How to Ask a Lender to Remove Negative Credit...

2016-08-23T11:21:09Z

Customize this sample goodwill letter to ask creditors to remove negative information to from your credit report.