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Author Archives: Research Department

Everything You Need to Know About Business Credit Cards

business_credit_cards

Business owners’ needs are often distinctly different from consumers’ needs, which is why a business credit card can prove to be very beneficial. Instead of making all of your business purchases on your personal credit card, consider using a designated business credit card. Not only can a business credit card help protect your personal credit, but it can help build ... Read More »

    13 Easy Ways to Save Money From Robert Kiyosaki, Clark Howard and Others

    save_or_make_money

    This article is a part of GOBankingRates‘ “Money on the Air” series. Vote for your favorite podcaster or radio show host — and check back for more interviews with them — here on GOBankingRates throughout March. There are thousands of ways to save money and make more of it, but chasing after every single tip will likely just make you overwhelmed rather than ... Read More »

      How Technology Can Help With Finances

      computer

      Dallas, TX (PRWEB) March 10, 2015 Debt Consolidation USA shared in a recently published article how consumers can benefit from technological advances when dealing with their finances. The article titled “Technological Hacks To Help With Finances” shows some of the ways technology can play a big part in helping manage a budget and overall finances. The article points out that ... Read More »

        What’s the Best Way to Consolidate Student Loan Debt?

        Student Loans Concept

        By Kaitlin Butler, CommonBond When even the basic term “consolidation” means different things for different lenders, the process can understandably seem daunting. But if you’re looking to save thousands on student loan interest payments — as well as time and headaches from managing multiple monthly payments — then understanding the consolidation process is critical. Here’s the rundown you need to ... Read More »

          Why Your Credit Report Errors Will Now Be Easier to Fix

          credit_report_errors

          Equifax, Experian and TransUnion, the three major agencies that track and report consumers’ credit, have reached an agreement to make changes to how they handle credit report errors and unpaid medical bills in what The Wall Street Journal is calling “the broadest industry overhaul in more than a decade.” These changes are the result of a joint agreement these credit-reporting firms made ... Read More »

            We took a look at arbitration agreements and here’s what we found

            With a little education and guidance your life after bankruptcy will be awesome.

            Mar 10 2015 By Will Wade-Gery Tens of millions of consumers use financial products or services like credit cards and student loans that include pre-dispute arbitration clauses in their agreements. This means that either party to these contracts can require disputes be resolved through arbitration, rather than through the court system. These clauses are controversial. Critics of these clauses argue ... Read More »

              I’m Worried About Calling a Debt Collector. What Should I Do?

              blank screen mobile in woman hands

              Dealing with debt collectors can be a scary prospect. If you have ever dealt with an overly aggressive and abrupt collector, your preference for avoiding a repeat call can be understandable. Perhaps you’ve never had to call a collector, but having done some research online, are concerned you could be subjected to similar experiences that others have written about. Regardless ... Read More »

                What’s the Most Dangerous Kind of Identity Theft?

                ID Theft or Stolen Identity

                Like the thieves behind the crime, identity theft can take on many disguises depending on the information stolen. When identity theft goes undetected, these crimes can not only cost victims their money, but also their health and well-being. It’s nearly impossible to avoid identity theft, but awareness and vigilance are key to fixing the problem if you do get hit. ... Read More »

                  How I Got Out of $63,000 of Credit Card Debt

                  credit-card-debt

                  Sleepless nights.  A knot in the pit of the stomach. A gnawing sense of unease. Charles Phelan was familiar with the physical and emotional toll of debt. But usually it was his clients who were experiencing those symptoms. This time, it was his turn. He owed more than $50,000 in credit card debt and knew it was time to make ... Read More »

                    Should You Ever Tap Into Your 401K?

                    Dollars and Stopwatch

                    Saving for retirement isn’t easy. It’s hard to forgo things now to plan for some distant day in the future. But whether you want to see the world or play golf in your backyard, if you want to be able to stop working at some point, saving up is usually necessary. Calculating how much you will need in retirement can be tricky, ... Read More »

                      Swipe & Sniff: A Scented Credit Card for Women

                      16663930295_70fb3e2766_k

                      A bank in the Middle East released a scented credit card in January, targeting women with this financial product that doubles as a medium for self-expression. Al Hilal, the bank, says it’s the first scented credit card in the United Arab Emirates. It may be new to the UAE, but scented credit cards were introduced a while ago. Japan Credit ... Read More »

                        5 Credit Cards to Help You Build Credit

                        Credit cards

                        Do you need to build your credit? Perhaps you are a young adult who has never had a credit card, or maybe you are a new arrival to the U.S. without a credit history here. Others may need to build credit after having gone decades without applying for any type of loan. Thankfully, the right credit card can help you quickly ... Read More »

                          How Gas Credit Cards Affect Your Credit Score

                          gas_credit_card

                          Gas credit cards have declined in popularity over the past decade as consumers switched to using bank-issued cards at the pump. But for the credit-challenged, gas credit cards have long been touted as a way to quickly build credit, since even those with a less-than-desirable credit history can qualify and use them to build credit. But are gas credit cards ... Read More »

                            Help! My Tax Refund Was Taken to Pay My Student Loan Debt

                            cut-monthly-fees

                            Many people have already filed their taxes this year — particularly those owed refunds. Because of rising taxpayer identity theft, it’s a smart idea for anyone to file quickly. However, some taxpayers are discovering the refund they thought was coming has instead has been taken to pay their student loan debt. Here’s a sample of questions recently sent to Credit.com: From ... Read More »

                              3 Spring Break Scams You Can Avoid

                              Debt Settlement Party Time

                              Though the weather in much of the country suggests otherwise, spring is nearly upon us, and for many Americans, that means it’s time for a spring break vacation. Most people looking to get away, whether they’re college students or not, search for deals that allow them to enjoy their break for a minimal amount of money. Scammers prey to consumers’ ... Read More »

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