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Credit Reports & Scores
Financial advice for my former self
This year, our office welcomed a 24-year-old professional into our tight-knit group. Aside from making everyone else in the office feel really, really old, it’s been fun and exciting learning what the younger generation is into these days. Let’s face it — her life is much more exciting than mine. ...
Amnesty from medical debt?
Medical debt is damaging the credit of right around 30 million people, according to the latest figures I've seen. What floors me about this problem is how it's both completely stealth and something that's so easily fixed once you know about it. You would expect that damaged credit because of ...
Good news for non-working spouses and partners seeking credit
New credit regulation go into effect this week that could impact 16 million people. For many years, people were allowed to share their credit cards with authorized users. Husbands historically did this for their stay-at-home spouses who were working in the house with little income to show for it. Unfortunately, ...
The two faces of inflation for savers and borrowers
Savers are getting the short end of the stick while it remains a borrower's paradise thanks to low inflation and the Federal Reserve's refusal to raise interest rates. Normally, a serious bout of inflation would result when you have massive federal budget deficits and the Federal Reserve essentially creating money ...
Ignore building a credit history?
Young people are turning their backs on credit cards. That's great on one hand, but it also presents some real challenges going forward. "Thirty-nine percent of undergraduate students between the ages of 18 and 24 owned a credit card in 2012, down from 49 percent in 2010," according to a ...
Credit freeze protects against ID theft
Are you doing things that lay yourself wide open to an identity thief fouling up your life? I'll tell you how to protect yourself. You may have heard that the credit reports and Social Security numbers of celebrities and politicians like Jay-Z, Beyonce, Attorney General Eric Holder and Hillary Clinton, ...
Ways to raise your credit score
New Transunion data shows that the areas with the highest concentration of high credit scores include New England, Northern California, and Honolulu. On the flip side of the equation, the entire Southeastern United States -- up to and including Texas -- has the highest concentrations of low credit scores. So ...
How to challenge errors on your credit report
devastating my credit score. Knowing that I didn't have any lien filed against me, I challenged this item by first going to the state court's website. On their site, I put in the supposed case number for the alleged tax lien and quickly confirmed that the case number did not ...
Fixing errors on your credit report
The Consumer Financial Protection Bureau has been given oversight over the nation's three main credit bureaus, but you still may have to take matters into your own hands if you have an undeserved black mark on your credit file. First, kudos to Columbus Dispatch reporters Jill Riepenhoff and Mike Wagner ...
Know how to handle money in a relationship
Your credit score has apparently become the new factor in deciding if you are date-worthy or not. The New York Times reports there are now several websites that try to match people up based on credit score. Among them are CreditScoreDating.com and DateMyCreditScore.com. Having given financial advice for decades, I ...
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