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Credit Score

Credit scores are the latest addition to credit card statements Written by Maryalene LaPonsie February 28, 2014 If it doesn't already, your credit card statement may soon contain some new information. Alongside your rewards points, account balance and due date, you may find three more digits: your credit score. While it used to be you needed to pay $20 or more to check your FICO credit score, major card issuers such as Discover [...] Posted in: Credit Score
Young adults might be trading one financial mistake for another Written by Maryalene LaPonsie August 30, 2013 I think everyone agrees starting adult life with a boatload of credit card debt isn't the brightest idea. So, on the face of it, data published by FICO earlier this year seems like a good thing. The credit scoring agency said in June that more Millennials are skipping credit cards and those with cards are carrying [...] Posted in: Credit Score
To cancel or not to cancel? When to close a credit card account Written by Maryalene LaPonsie May 17, 2013 You've paid off your credit card balance and are ready to say hasta la vista to debt. Good for you! Now, about that credit card, should you close the account or keep it open? At one time, conventional wisdom may have said to cancel the account as quickly as possible. Then, savvy consumers learned that arbitrarily [...] Posted in: Credit Score
Are you impatient? Your credit score may be suffering Written by Geoff Williams December 23, 2011 Impatient people have lower credit scores. If you think about it, this is pretty self-evident, and if it wasn't obvious to you, it's probably news you could have used before the holiday shopping onslaught, and not after when you're in full-throttle bill paying mode. Nevertheless, a study, which debuts in the January issue of Psychological Science, [...] Posted in: Credit Score
How much will that revolving debt add to the cost of your car? Written by Geoff Williams October 20, 2011 Everyone knows that if your credit score goes down, the interest rate on a subsequent loan that you take out will go up. The questions are: by how much will your interest go up, and what moves can you make that will send your credit score dropping? The answer is easy for that last part. Just [...] Posted in: Credit Score
Denied for the best credit card? Lenders now required to say why Written by Geoff Williams July 21, 2011 When is good news also bad news? Starting July 21, it will be easier for consumers to get a free credit score. Because of a new law, you may just get, in the mail, with no strings attached, your very own credit score. That's the good news. But the bad news is that if you get that [...] Posted in: Credit Reports Credit Card Laws Credit Score
The Truth About Credit Card Debt Settlement Written by
April 16, 2009
As an increasing number of people struggle to pay their bills, debt settlement companies are thriving. You can find their ads promising to settle your debts for pennies on the dollar anywhere. If you’re drowning in debt, those ads can be pretty attractive. But are they for real? And how will settlement affect your credit [...] Posted in: Credit Card Debt / Settlement Credit Score
How to Overcome High-Pressure Credit Card Debt Collection Tactics (Part 2) Written by CardRatings.com April 7, 2009 Editor's Note: This article is the second of a two-part series on debt collection.Calling Debtors At Work If a debt collector calls you at work and you tell him that you can’t talk to him when you are on the job, he must stop contacting you there immediately. Also, if a debt collector calls you [...] Posted in: Credit Card Debt / Settlement Credit Score
How to Overcome High-Pressure Credit Card Debt Collection Tactics (Part 1) Written by CardRatings.com April 3, 2009 Editor's Note: This article is the first of a two-part series on debt collection.On a recent Dateline NBC investigation, debt collectors posing as law enforcement officers were captured on tape illegally threatening debtors with immediate arrest if they didn’t pay up. Unfortunately, complaints about high-pressure debt collector tactics are continuing to generate numerous complaints to [...] Posted in: Credit Card Debt / Settlement Credit Score
Citi Credit Card Rewards Responsible Action (Part 2) Written by Mike Killian March 31, 2009 Editor's Note:  This offer expired and is no longer available. Click here for an updated list of cards from Citi Editor's Note: This article is the second of a two-part interview with Terry O'Neil, Executive vice president of Citi Cards.Citi Forward also offers a variety of credit education and online features to help keep card members' [...] Posted in: Citi Credit Cards Credit Card Interest Credit Score Low Rate Credit Cards
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