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.
In an effort to prevent another mortgage crisis, the Consumer Financial Protection Bureau has published a new rule that’s intended to ensure that homebuyers end up with mortgages they can afford, barring unforeseen changes in…
Your mortgage lender may give you the option of skipping a mortgage payment, for example, at the beginning of your mortgage or refinance. While it may seem like they’re doing you a favor, skipping that…
Credit card delinquencies were down in 2012, the lowest in several years, but experts predict that trend won’t last throughout 2013. Credit card users are at risk of losing money on late fees and penalty…
Think you know about credit cards? Think again. Credit cards woo you and make you feel special, but certain things about credit cards you can’t take for granted. For example, you can’t assume that… You’ll…
Now that the holidays are over and the dust is settling, you may look at your bank account or check your credit card balance only to realize you spent far more than you intended to.…
When you’re starting out with brand new credit or you’re rebuilding after a bout with bad credit, odds are your current credit cards aren’t the best. People with new credit and bad credit typically have…
There’s something so refreshing and motivating about the beginning of a new year. It’s why people pick this time of year to make major changes to their lifestyles – quit smoking or drinking, lose a…
About 80% of consumers still aren’t checking their credit reports. According to a report from the Consumer Financial Protection Bureau only about 44 million of 200 million consumers checked their credit report in 2010 and…
It’s quite common to hear about collection agencies scheming against consumers. Numerous collection agencies have been reprimanded, fined, or shut down by Federal agencies for collecting nonexistent debts from consumers, for charging consumers more than…
Anyone who’s ever had an application turned down due to bad credit knows the importance of having a good credit score. Unfortunately, turning a bad credit score into a good one can take several years,…