Year-after-year, the debt collection industry tops the FTC’s complaint list. In 2011, the FTC received 117,374 complaints against third-party debt collectors. The complaints the FTC receives may not represent the true number of debt collector… Consumers’ Top Debt Collection Complaints
Most people realize that credit cards and loans affect their credit score. Even the occasional blemish from an unpaid utility bill won’t surprise many people. But who’d expect medical bills to affect credit scores? To… Unpaid Medical Bills Can Hurt Your Credit Score
While you can get a free credit report through AnnualCreditReport.com, your credit score isn’t included in the deal. But, you may be entitled to a free credit score after certain credit and loan applications. Credit… Some Lenders Must Provide You a Free Credit Score
Bankruptcy has a bad reputation for ruining lives. Truth be told, if you’re considering bankruptcy, life may not be that great right, especially where your finances are concerned. But, bankruptcy’s negative reputation might keep you… Life After Bankruptcy May Be Better
Another bad thing about losing a great job is losing your benefits, especially your health benefits. Medical debt is one of the leading causes of bankruptcy and losing your health insurance puts you at greater… Access to Health Benefits After Job Loss
A balance transfer can be a tricky transaction. You might start out fully intending to pay off the balance while you still have a great interest rate. But if you’re not careful, you could end… Get the Most From Your Balance Transfer
Few things are more embarrassing than having your credit card declined, but try not to overreact if it happens to you. Keep a cool head and try to figure out what’s going on. What to… Dealing With a Declined Credit Card
Multiple payments, various interest rates, and different balances can make it difficult to pay off credit card debt. Not to mention the nuisance of juggling various due dates and payment amounts. Consolidating credit card balances… Consolidating Debt With a Personal Loan
As a credit card user, having the right understanding of credit cards is necessary to stay out of credit card trouble. The credit card agreement doesn’t spell out responsible credit card use and unfortunately, many… Keep Credit Cards in Perspective
An emergency fund is the best way to pay for unexpected expenses. But, even if you do have an emergency fund, you may not have enough time to get the money out of your savings… Using a Credit Card in an Emergency