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.
Credit reports play a big part in your financial life, but they’re still a mystery to many people. Here’s a complication of some basic things you should know about credit reporting. There are more than…
The interest rate, or APR (annual percentage rate), is one of the most important credit card features because it impacts what you pay for carrying a credit card balance from one month to the next.…
Experts say that you should check your credit report at least once a year. Do you know what you’re looking for when you check yours? Your credit report won’t read like an epic novel, especially…
Not every debt collector who contacts you is contacting you about a real debt. Even though it’s against the law, debt collectors have been pursuing so-called phantom debts for years. These are debts that are…
One of the best things you can hear from your boss is that you’re getting a raise. You might start making plans for the money as soon as you hear the good news. But, make…
A phone call or letter is often the first sign that you have an account with a collection agency. These bills collectors don’t go away easily and some of them have been known to cross…
“Should I apply for this credit card?” is a question that should go through your mind every time you think about clicking submit on a credit card application or to applying for a credit card…
The minimum payment is the lowest monthly credit card payment you can make and remain in good standing with your credit card issuer. The minimum payment is just a small percentage of your balance, often…
One thing you can be certain of with identity thieves and credit card fraudsters, they don’t discriminate with victims. As if job hunting wasn’t hard enough, you have to beware of scams that could lead…
When your bank receives a transaction that exceeds your checking account balance, the bank will do one of two things. They can either process the transaction or they can return the transaction to the merchant.…