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How To Get Your Free Credit Reports Step-by-Step

Credit Reports / /

Getting your free credit reports is an important aspect of managing your credit and keeping tabs on your overall finances. Fortunately, you don’t have to pay for this. You can actually access each of your credit files online, instantly, and free of charge. Just go to http://www.AnnualCreditReport.com. That is the federally-mandated website that the government has ordered the credit bureaus […]

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Facing Court Over a Defaulted Private Student Loan? Here’s What to Do

Student Loans / /

Q:  I live in California and have a defaulted private student loan that has been bought by an attorney who now has filed a court judgment. I will appear in court to dispute but would like to know recommendations or what I can to do. A: Since you have a court case pending, you should contact

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Sterling Learns How Racism Can Cost You Money – And Much More

Personal Finance / / ,

The racist comments made by Los Angeles Clippers Owner Donald Sterling is the talk of the sports world and the nation right now. Even President Barack Obama has weighed in on the matter. In case you missed all the social media discussion, media interviews or stories about the scandal, here’s a quick recap.

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Free Summer Alternatives to Pricey Pre-College Programs

Paying for College / / ,

As the school year comes toward a close, hundreds of thousands of high school teens will enroll in pre-college programs, including some very expensive programs that cost $1,500 or more per week. But pricey pre-college programs aren’t the only options for teenagers who want to spend their summers in a productive way. Teens can also

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Should You Pay Charged-Off Debt? What You Need to Know

Debt / / , , ,

Should You Pay Charged-Off Debt? What You Need to Know Charged-off debt is a term many consumers encounter, often with confusion and concern. When a creditor gives up on collecting and writes your account off as a loss, that debt doesn’t just disappear—it stays on your credit report and can haunt your finances for years.

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IRS Scam Shows 3 Key Differences Between G-Men and Con-Men

Scams / /

Financial scams are more common than ever in the U.S., and IRS scams are affecting millions of Americans. Unfortunately, many victims of tax-related financial scams fall for these schemes because they mistakenly think they’re dealing with the IRS, some “government” department, or an “official” representative of a federal, state or local agency. Con men can

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Two cardboard boxes on a light blue background. The larger box is labeled "his" and the smaller box is labeled "hers," symbolizing the impact of financial mistakes on personal belongings.

Are You Guilty of These Financial Mistakes?

Personal Finance / /

 It’s great to have goals to help you get ahead in life. But setting totally unrealistic goals is one of the most common financial mistakes I see all the time. Maybe it’s human nature. But way too many individuals spend many years – sometimes even decades – getting themselves into financial trouble. Then they want

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Two cardboard boxes against a blue background. The larger box is labeled "his" and the smaller box is labeled "hers," subtly hinting at a recent divorce.

Coping With Divorce When He Is The Primary Breadwinner

Couples and Money / / , , , , ,

Coping With Divorce When He Is The Primary Breadwinner Q: My husband is leaving after twenty years of marriage. He has been the primary bread winner.  I make 25,000 a year doing job a love.  I and my adult children will be living together for one year (hopefully).  I do not know where to begin with

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A seesaw with a gold dollar sign on one end and a stack of colorful books on the other, depicting the balance between money and good grades.

Why I Pay My Kids for Good Grades—and Why It Might Work for You Too

Family Finances / / , , , , ,

Paying kids for good grades is a hot topic in parenting circles. Some view it as smart motivation. Others believe it undermines the value of learning. I get the skepticism—but after years of doing it with my own children, I stand by it completely. In our household, an academic allowance isn’t just about cash—it’s about

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Book cover titled "Perfect Credit: 7 Steps to a Great Credit Rating" by Lynnette Khalfani-Cox, featuring a smiling photo of the author in a purple dress, embodying the confidence that comes with achieving perfect credit.

Presenting Your Best Credit Profile

Credit Reports / / ,

If you to want to look good to anyone who’s watching you, it’s important to create a beautiful profile — a beautiful credit profile, that is! Who might be watching you? Lenders, credit card companies, even prospective employers all might want to see your credit report. So it’s important to keep that credit profile gorgeous. 

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