How Often Should You Be Checking Your Credit Score?
How Often Should You Be Checking Your Credit Score? Credit Cards by David B. Coulter Share Share Email In a world where personal data is routinely breached, it is sensible to regularly check your credit score to be sure it’s not only accurate but that it is also not being used without your knowledge. While […]
Should I get my tax refund on a prepaid debit card?
Should I get my tax refund on a prepaid debit card? Credit Cards by John Ulzheimer Share Share Email For those of you fortunate enough to actually get money BACK from the government this year, you’ve got some choices to make. Primarily, you’re going to have to decide how you want to receive your money. […]
How Many Credit Cards Should I Use?
How Many Credit Cards Should I Use? Credit Cards by John Ulzheimer Share Share Email The amount you owe represents some 30 percent of your credit score points, which is the second largest contributor to your credit score. This category not only includes the total credit utilization (revolving and installment), but also the number of […]
Should I Stop Paying My Credit Card Bills By Their Due Date?
Should I Stop Paying My Credit Card Bills By Their Due Date? Auto Loans by John Ulzheimer Share Share Email Today is April 1st and if you’re like me then you’re trying to avoid being the victim of a good April Fool’s Day joke. In addition to being April Fool’s Day, today is also the […]
6 Items You Should Never Borrow Money to Purchase
6 Items You Should Never Borrow Money to Purchase Debt by David B. Coulter Share Share Email Western society embraces a “Keeping up with the Kardashians” mentality. The appearance of wealth, luxury, and extravagance is often more desirable than living a life of hard work necessary to build wealth and contribute to society. With the […]
How Frequently Should You Check Your Credit?
How Frequently Should You Check Your Credit? Credit Monitoring by David B. Coulter Share Share Email There are three credit bureaus that monitor your credit score: Equifax, Experian, and TransUnion. Federal law requires each one of these bureaus to offer you a free credit report every 12 months, upon request. For some people, this annual […]
Why should I pay more than the minimum on my credit card?
Why should I pay more than the minimum on my credit card? Credit Cards by John Ulzheimer Share Share Email “John, other than not wanting to pay interest, is there any other reason I should pay more than the minimum on my credit card?”
Should I Take Advantage of A Credit Card Payment Holiday?
Should I Take Advantage of A Credit Card Payment Holiday? Credit Cards by John Ulzheimer Share Share Email Simply put, a payment holiday lets you skip a payment. It is usually offered by your credit card company in December and is a marketing gimic to gain loyalty and income for the financial institution. One way […]
Why Do Retailers Ask For My Zip Code? Should I Give it to Them?
Why Do Retailers Ask For My Zip Code? Should I Give it to Them? Credit Cards by John Ulzheimer Share Share Email Remember the last time you used a credit card at either the mall or at a gas station? You were likely asked to either punch in your zip code or were asked verbally […]
Should I Refinance My Student Loans Right Now?
Should I Refinance My Student Loans Right Now? Credit for Beginners by David B. Coulter Share Share Email You may have noticed interest rates hovering at 30-year lows and now wonder whether it’s a good time to refinance your student loans. Well, the answer is: not necessarily. You want to help, not hurt, your financial […]