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Archive for: Credit & Debt

How To Apply For Private Student Loans: A Simple Guide

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The cost of education is often a lot more than just tuition — and sometimes your federal loans just can’t help pay for everything. Here’s why and when you might consider private loans to help cover the full cost of school.

When Good Credit Isn’t Enough: Why You Could Be Denied A Credit Card Despite Your Excellent Score

Why was your credit card application declined? The top reasons you weren't approved.

Responsible people with excellent credit scores are often shocked after applying for a new credit card … and getting rejected. It’s more common than you think, so it pays to learn why a good credit score may not be enough.

How To Get An Apartment When You Don’t Have A Credit History

How To Get An Apartment When You Don't Have A Credit History

Getting an apartment when you don’t have a credit history can be tricky. But remember: No credit isn’t the same as bad credit. Here are some ideas for convincing your new landlord that you are worth the risk.

Is Debt Settlement Ever Worth It?

Is Debt Settlement Ever Worth It

Why debt settlement isn’t worth it. Companies that promise to end your debt problem for pennies on the dollar can cause more problems than they solve.

Debt-to-Income Ratio: The Little Number Your Bank Cares About (And You Should Too)

What Does Your Debt-to-Income Ratio Have to Do with Your Credit

When shopping for a mortgage, one of the things that lenders will look at is your debt-to-income ratio. If this ratio is too high, it may keep you from getting approved. Don’t take any chances — know your debt-to-income and take steps to keep it at a healthy level.

Auto Financing For Smart People: Tips For Saving On Your Car Loan

How to finance a car the smart way; auto financing tips.

Save money on auto financing by knowing your credit score and leveraging competing loan offers at the dealership. Put money down, keep the term as short as you can afford, and — of course — don’t buy more car than you can afford.

Behind On Bills? How To Catch Up

When Debt Payments Fall Behind, Take These Steps To Catch Up

It happens to the best of us: life gets crazy and you fall behind on bills. You don’t have to be a victim to your creditors. Here’s how to catch up to save your credit score (and your dollars).

Prepaid Bank Cards: Is There Ever A Good Reason To Use One?

Is There Ever A Time To Use A Prepaid Bank Card

Prepaid cards are helpful if you can’t get a checking account, but shouldn’t be a longterm solution.

Debt Collectors Can’t Call Your Cell: Know Your Rights When Dealing With Collection Agencies

How To Fight Back Against Debt Collectors, And Win

Debt collectors can be unlawful and abusive. But if you know your rights when dealing with debt collection agencies, you can keep them in their place.

How To Choose A Credit Card (Smartly)

How to choose a new credit card

Most people only get a new credit card every few years. Learn how to comparison shop for credit cards and how to choose a credit card you’ll be happy with.