Waiting for a response to a credit card or loan application can be nerve wrecking. You might half-expect to be turned down if you know you don’t have a good credit history. On the bright… Expect an Explanation for Being Denied
An important financial measure that lenders use – and that you can use too – is the debt-to-income ratio. Lenders use the debt-to-income ratio to qualify you for a loan because it tells the percentage… What Your Debt to Income Ratio Means
Hackers target companies that store sensitive consumer data – like passwords, social security, numbers, and credit card numbers – all the time. Unfortunately, some hackers are successful at dodging company firewalls and stealing customer information.… Reducing Identity Theft Risk After a Data Breach
Gas prices are expected to reach record highs this summer which means filling up the tank could get pretty painful. You may consider offsetting the high cost of gas by getting a credit card that… What Makes a Good Gas Credit Card
A credit card charge-off is the worst credit card status you can have. That’s why you should avoid letting your credit card get that delinquent, if you can help it. How Charge-Off Happens You’ll have… What Happens When a Credit Card is Charged-Off
Wage garnishment is certainly something to fear. If collectors garnish your wages, they take pay directly from your employer, before you ever receive your paycheck. Collectors or other creditors can garnish up to 60% of… How Serious is a Wage Garnishment Threat
Not to confuse you, but there’s another credit score you should know about. The VantageScore was created by the three major credit bureaus to clear up some of the discrepancies in other credit score models.… About the VantageScore Credit Score
Unemployment rates in most cities across the U.S. generally improved over the year and the national jobless rate fell by one percentage point, according to a government report released on Friday. From January 2011 through… Unemployment Rate Fell Over-the-Year in Most Metros
For years, landlords have used consumer credit reports as a way to screen tenants. But, those same tenants haven’t benefitted from the timely payment of their rent, at least not where their credit is concerned.… Rent Payments Included On Your Experian Credit Report
Another so-called mortgage debt relief company preying on unsuspecting homeowners in two related scams has been halted by the federal government. Putting a new twist on an old trick, the alleged scam operation lured homeowners… Government Halts Another Mortgage Relief Scam