LaToya Irby is a full-time freelance writer and a graduate of the University of Alabama. She primarily writes about personal finance, freelancing, and other self-employment topics.
When consumers have trouble with businesses, the Federal Trade Commission is often the go-to government agency for complaints. Each year, the FTC compiles a report on the complaints it received from the previous year. In… FTC Reports the Top 10 Complaints of 2012
According to the 2013 Identity Fraud Report from Javelin Strategy & Research, 1 in 4 people who received a data breach notification letter in 2012 became a victim of identity fraud. A data breach happens… One in Four Data Breach Letter Recipients Becomes an Identity Theft Victim
When Bankrate.com surveyed consumers about their credit card debt and emergency fund or savings, only 55% of them answered that they have more money saved up than they have in credit card debt. Forty percent… Many Americans Have More Credit Card Debt Than Savings
Tax identity theft is growing in the United States. In fact, 43% of identity theft complaints received by the FTC in 2012 were related to tax fraud. The IRS received close to 940,000 fraudulent tax… Tips to Avoid Tax Identity Theft
Rewards credit card offers have ramped up this year, with many credit card issuers offering better rewards than ever before. The Capital One Venture Card, for example, pays 2% cash back on purchases. Discover it… Paying Interest on a Rewards Card? Bad Idea
There are many bad credit cards out there, some of the worst contenders are those that target people with bad credit. Even with bad credit, there’s one credit card, you should definitely stay away from:… The One Credit Card You Should Never Have
Despite the high interest rate and borrowing costs, payday loans are attractive to so many borrowers because they don’t have as rigorous of an approval process as regular loans. In fact, all you usually need… Payday Loans And Your Credit Score
Dealing with financial problems can be tough, especially when it comes to credit card. Monthly payments, balances, due dates, past due balances, and collection calls can be very stressful. It’s hard not to worry about… Are Your Credit Cards Stressing You Out?
If you’ve ever ordered a “free” credit report or credit score, you’re likely already familiar with trial subscriptions. But, the credit reporting industry isn’t the only place where this scheme is used. Numerous companies bait… Beware Free Items Tied to Trial Subscriptions
In this week’s State of the Union address, President Barack Obama recommended the minimum wage be incrementally increased to $9.00 per hour and be tied to the inflation rate after that. Having the Federal minimum… Should the Federal Minimum Wage Increase to $9?