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Disputing Errors On Credit Reports: How to Think Outside the Box

June 2nd, 2016 by Joshua Heckathorn
According to a report released by the Federal Trade Commission in 2013, 21 percent of American consumers have errors on their credit reports. And since the major credit reporting bureaus track the credit histories of roughly 200 million Americans, that means we can estimate some 42 million of us have errors on our credit reports. That’s a lot of errors!

Credit Card Review: U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card

May 25th, 2016 by Elisabeth Chan

You might be surprised to learn that one of the better signup bonus offers on the market comes from U.S. Bank. 

Why Your Credit Score in College Will Affect You After Graduation

May 23rd, 2016 by Elisabeth Chan
What's the main goal of college? Most would say it's to get a degree so you can get a high-paying job after you graduate.

But, what might come along with this new job that you're working towards as well? Perhaps getting a new car, buying a house, or starting your own business one day? If so, it's important to remember that one of the key things involved with all of these goals will be your credit score.

Credit Scores

Top Ways to Lower Your Financial Stress

May 17th, 2016 by Alice Bryant

If there is one common thing that can keep people up at night, it is financial stress. Regardless of your age or income level, you may worry about if you have enough money to pay certain bills, how you will afford to send the kids to school, or if you are saving enough for retirement. These are just a few of the common concerns that people face about their finances. While some may think that the answer to their financial woes is to increase their income level, the fact is that financial stress is common across all income brackets.

Upromise by Sallie Mae World MasterCard Review

May 2nd, 2016 by Joshua Heckathorn
When Sallie Mae was first established in 1973 as the Student Loan Marketing Association, it was a government-sponsored enterprise that serviced federal student loans. However, during Bill Clinton’s administration back in 1994, it was determined that Sallie Mae should be restructured into a private company.

Ask Creditnet: Should I Ever Use a Credit Card Cash Advance?

April 22nd, 2016 by Joshua Heckathorn

Dear Creditnet: I've been tempted to use the cash advance option on my credit card more than once, but have always found the necessary cash to scrape by when it came down to it.

Can you explain how cash advances work, and should I ever apply for one if my cash situation gets especially tight? Thanks in advance. - Chris from Austin, TX

Why Pay Taxes with a Credit Card?

April 13th, 2016 by Joshua Heckathorn

Do you have a friend who always brags about how big he expects his tax refund to be and what he plans to spend it on? I do.

Every year I bite my tongue as I listen to him go on and on about the huge check he’ll be getting from Uncle Sam and how he’s already spent the money on a new toy of some sort. I just have to nod my head and say, “Great man, great. I’m really happy for you.”

Are Your Passwords Easy to Crack?

April 7th, 2016 by Yael Kent
In today's world, a day rarely goes by without hearing a story about computer hackers gaining access to personal information belonging to millions of unsuspecting victims. As a result, identity theft has become one of the most pressing issues in the digital age. Unfortunately, many people unknowingly make the hackers jobs easier by failing to follow basic password security rules.

Credit One Bank® Unsecured Visa® for Rebuilding Credit Review: The Pros & Cons

March 29th, 2016 by Elisabeth Chan

Ever since Orchard Bank credit cards got the axe from Capital One years ago, many consumers with poor credit have been looking to the Credit One Bank® Unsecured Visa® for Rebuilding Credit instead. Let's face it, there unfortunately aren't many credit card options left on the market for those with poor credit. And if you prefer to use an unsecured credit card over a secured credit card, your options are even more limited!

Infographic: How to Make a 0% Interest Credit Card Balance Transfer

March 22nd, 2016 by Joshua Heckathorn

Credit card debt that just keeps on growing is often a product of the high interest consumers are stuck paying on existing balances. Wouldn't it be great if you could just rid yourself of the additional 10, 20 or 25% in interest and start paying down your debt directly?

(The answer is: 'Obviously')

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