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Close-up of motorcycle front wheels and disc brakes aligned in a row, captured in black and white. Perfect for those considering a motorcycle loan to bring their dream bike home.

Am I Responsible for a Motorcycle Loan My Husband Took Out in My Name?

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If your spouse has taken out a motorcycle loan in your name—especially without your consent—you’re likely feeling shocked, frustrated, and worried about your credit. While every case depends on the specific details, here’s a breakdown of what you need to know about your legal responsibility, credit implications, and the steps you can take to protect […]

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A man in a suit signs a document at a desk, surrounded by other people in formal attire, marking a pivotal moment in financial reform.

Financial Reform Bill Will Give Free Credit Scores to Some

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You’re already entitled to one free copy of your credit report each year, via annualcreditreport.com. But thanks to the Financial Reform bill Congress just passed, you may be able to get a free credit score in the future too. Who is entitled to the free credit score? You’ll qualify anytime a company takes “adverse” action against you based, at least in part, on information it got from your credit file.

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A person in formal attire stands against a white wall in a sparsely furnished room with a carpeted floor and fluorescent lighting, perhaps contemplating solutions for bad credit.

Bad Credit Can Cost You a Job or a Promotion

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If you’re out of work, nobody has to tell you how tough it can be to find a job. Now there is another obstacle to overcome before you land your next gig: cleaning up your credit. Employers are increasingly checking people’s credit reports before deciding whether to hire someone or who to promote. In fact,

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Never Say That To A Debt Collector

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If harassing calls from debt collectors are keeping you from answering the phone — or stressing you out — you’re not alone.

Amid the tough economy, debt collection activity has intensified, with some debt collectors engaging in unfair, abusive or illegal practices. The Federal Trade Commission says it gets more complaints about debt collectors than any other industry. In 2009, the agency received 88,190 consumer complaints about debt collectors, up 12% from the year before.

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Should You Borrow From a Subprime Lender

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Question: “During 2007, I was working a full‑time and a part‑time job. I lost the full‑time job due to a reduction in force with the federal government. I was paying my creditors until my unemployment was revised. “My question is this. I tried to re‑mortgage my house. I tried to get a home equity loan, but

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A pen rests atop a blue credit card, placed on a document displaying various interest charges, APRs, and credit utilization for different account activities.

The Impact of Credit Utilization Rate on Your Credit Score

Credit Scores / / /

Question: “I have good credit and own four credit cards with a combined credit limit of $24, 000. Three cards are at zero balance, and the other one has a balance of $100. I would like to close the newest card because I’ve only used it once. It has a credit limit of $2, 000.

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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.

Perfect Credit: 7 Steps to a Great Credit Rating

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Perfect Credit

If you have negative marks in your credit history, you already know what a pain it is living with bad credit: you get turned down for credit cards and loans, you pay sky-high interest rates when you do get approved, or you have to go (hat in hand) asking family or friends to co-sign for you or loan you money. The list of indignities you suffer with poor credit goes on and on.

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Zero Debt: The Ultimate Guide to Financial Freedom 2nd Edition

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Zero Debt: The Ultimate Guide to Financial Freedom 2nd Edition Lynnette Khalfani-Cox Paperback: 254 pages Publisher: Advantage World Press ISBN: 1-932450-80-7 List Price: $14.95 Buy Now from Amazon Would you like to be free from financial worries, rest at night knowing your bills are paid, and have peace of mind when it comes to money

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The Dangers of Using Debt Settlement Companies

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With the average U.S. household owing more than $10,000 in credit card debt, it’s no surprise that millions of consumers are turning to debt management companies or debt settlement firms to become debt free. However, there are enormous differences between these two types of organizations. A good debt management company, such as the National Foundation

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quit your job

Why it’s Time to Quit Your Job or Create Your Own Career

Personal Finance / / /

Did you know that only 45 percent of all employees in the United States are happy with their jobs? According to the Conference Board, that’s the lowest level of employee satisfaction in more than two decades. That also means tens of millions of frustrated workers are quietly biding their time until they find greener pastures

Why it’s Time to Quit Your Job or Create Your Own Career Read More »

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