Dispute Responsibly: Disputes Cost Banks $10 to $40 Per Incident
If you find an erroneous charge on your credit card or bank statement, you have the right to dispute it with your credit or debit card issuer, as long as you do it within 60…
latoyairby
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.
Tax Relief Scammers Ordered to Pay Over $15 Million
American Tax Relief, a company who purported to reduce consumer’s tax debt, has been ordered to pay more than $15 million to the FTC for deceiving consumers. As their name implies, American Tax Relief sold…
It Takes More Than Timely Payments to Build Good Credit
We know that paying bills on time is one of the most important aspects of being financially responsible. If you pay late, you’ll get charged a late fee, you risk having your services terminated (no…
Not a FICO? Not a Big Deal
It’s widely known that the FICO score is the score most used by creditors and lenders to approve your credit card, loan, or application. There are possibly hundreds of credit scores out there, so when…
Four Reasons to Use Your Tax Refund on Debt
People who expect to get a tax refund this year have probably already started daydreaming and planning on what they’ll do with the extra money. Last year, the average tax refund was around $3,000. While…
Young Generations Face Credit Card Debt Crisis
Young people may never pay off their credit card debt. That’s the hypothesis that experts and reporters have made based on a recent study by an Ohio State economics professor. The study found that the…
Misconceptions About Prepaid Cards
In the past few years, prepaid cards, sometimes called prepaid debit cards, has risen in popularity. These cards are often advertised as a credit or checking account alternative for people with bad credit or no…
Options for Filing Income Taxes
At the beginning of every year, millions of Americans get ready to file their income tax return. Some do it because they know they’re legally required to file (whether you’re required to file depends on…
Watch Out for Merchant Credit Card Minimum Purchase Requirements
Imagine walking to the cash register of a convenience store with a bag of chips and a soda, intending to pay with your credit card, and seeing a sign that requires a minimum $10 purchase…
Crazy But True: Overdue Library Books Can Hurt Your Credit
You probably wouldn’t imagine something as simple as an unreturned library book or movie would hurt your credit. After all, you only kept the books out a few days past the date. But, libraries around…