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.
Medical bills have the potential to hurt your credit just like most other types of bills. Medical bills can wind up on your credit report even if you have health insurance, since insurance companies don’t… How Medical Bills Wind Up On Your Credit Report
The Consumer Financial Protection Bureau recently released its 2019 Fair Debt Collection Practices Act Annual Report which discusses trends in consumer debt collection complaints. The FDCPA is the federal law that dictates what third-party debt… The Most Common Complaints Against Debt Collectors
Most credit cards come with a credit limit, which is the highest outstanding balance you’re allowed to have on your credit card. Your credit limit is based on a few factors: your credit score, your… What to Do If Your Credit Card is Maxed Out
As credit cards become more secure and consumers become more savvy about protecting their financial accounts, there’s another type of account that we should be on guard for – account takeover fraud. Criminals can do… What You Should Know About Account Takeover Fraud
When you’re first starting out with credit, it’s natural to have a limited amount of information on your credit report. In the credit industry, that’s called a “thin” credit file. Unfortunately, having a thin credit… How to Build Up a Thin Credit File
Your credit card interest rate affects how much you pay for carrying a balance on your credit card. The higher your interest rate, the more you’ll pay in finance charges and the longer it will… 4 Options for Dealing With Higher Credit Card Interest Rates
Consumer debt has been rising steadily as the economy recovered from the 2008 recession and overall consumer debt reached a record $13.5 trillion in the 4th quarter of 2018, according to the Federal Reserve Bank… Four Red Flags of Too Much Debt
Trying to pay off multiple credit cards can be complicated. You have to break up your extra money between all your balances, which means you’re not making as much progress as you would if you… 3 Options for Consolidating Your Credit Card Debt
Spending too much on your credit card can lead to major problems. Big credit card balances put you at risk of going into debt. They can also hurt your credit score, since 30% of your… 3 Tips for Tracking Your Credit Card Spending
Sure, credit cards are a great way to rack up rewards points on your regular purchases or save money on a high interest rate balance, but there are plenty of other ways you can get… 7 Ways to Get More Value From Your Credit Card