Personal Finance & Credit / Bankruptcy

  • Clark Howard's Free Credit Report Guide

      

    Are you getting all your free credit reports? Due to the passage of the 2003 Fair and Accurate Credit Transaction Act (FACTA), all Americans are entitled to one free credit report from each of...

  • Tips for Avoiding Credit Card Debt in Your 20s and 30s

      

    The 20s and 30s are the years when most people start to accumulate credit card debt. The promise or realization of a good job out of college -- along with life changes such as marriage, home...

  • Why credit repair companies are a ripoff

      

    Some companies claim they can help you clean up your bad credit. Why it's a ripoff and how you can avoid it.

  • Maximize your retirement benefits

      

    When is the ideal time to start taking Social Security? It varies. Know how to get the most from your Social Security check when you retire.

  • Debt-settlement outfits make hollow promises

      

    Have you seen those ads being run by the debt-settlement outfits on late-night TV? They promise to reduce your credit card debt to just pennies on the dollar without making you file for...

  • More Mega-Bank woes

      

    Are you happy with the job Congress is doing? There's a bank that ranks even lower in customer satisfaction -- and you might be doing business with them!

  • Should you borrow against your 401(k)?

      

    When you borrow against your 401(k), you're borrowing from yourself and paying yourself back, right? Not so fast. Clark has new info for you.

  • New government help for debt harassment

      

    The Consumer Financial Protection Bureau has new tools and advice for those being harassed by collectors for debts they do not owe.

  • Savers still facing low interest rates

      

    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...

  • Facing separation? Heed this financial advice

      

    If your marriage is ending, be sure to protect yourself from this financial unknown that could blindside you down the road.

  • Unclaimed money could be waiting for you

      

    There could be unclaimed money from bank accounts and insurance policies hanging out unloved in your name. Here's how to claim at no cost if it's rightfully yours.

  • Clark's No-Giftcard Gift Certificate

      

    Clark can't stand gift cards! He'd rather you give cash so your friends and family never have to hassle with expiration dates, fees, limited choices or rules. Next time you give cash for...

  • Should you trust credit-repair companies?

      

    Can a company really help you fix your credit for a fee? Clark weighs in on the subject of credit repair companies.

  • Avoid "Croak & Choke" banking practices

      

    Your bank is perfectly happy to take care of your credit card payments in the event you can't meet your obligations because you become disabled or die. But at what cost to you?

  • Do you have a dangerous credit personality?

      

    Are you someone who sees something in a store and buys it right on the spot? You might have a "credit personality" that could wreck your finances over time. If that sounds like you, Clark has...