Beware Free Credit Score Ads

Have you already noticed that all the annoying TV ads for are now for That’s because as of April 2, the U.S. Federal Trade Commission (FTC) now requires companies claiming to offer free credit reports to include obvious disclaimers informing you that the only place to get a truly free credit report is […]

Understanding Overdraft Protection and Fees

At one point or another, it’s happened to nearly all of us: For one reason or another, we spent more than our available checking account balance. And most likely, we wound up paying an overdraft fee for the privilege. In years prior to the day I “smartened up” financially, I probably gave my credit union […]

The 5 Biggest Debit Card Dangers

It’s a hot-button question: If you’re in debt, do you get rid of all of your credit cards and stick to debit cards and cash only? Or can you discipline yourself to still use credit cards for routine purchases and pay the balance off in full every month, even if you’re digging out of existing […]