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Soft Vs. Hard Inquiry – What’s the Difference?

Sometimes it’s the little things in life that can make all the difference. A small ding to your credit score can drop it just enough from being in the excellent credit score range to the good score range. That can be enough to cause

7 Surprising Things That Won’t Affect Your Credit Score

Paying your bills on time, not maxing out your credit cards, and having a good track record of managing debt responsibly are some basic and obvious things that affect a credit score. Some other financial transactions, however, don’t hurt it at all. You may

Should You Tell Your Partner About Your Debt?

Not picking up the check at dinner, having bad breath or being late may be excusable on a first date, but one thing isn’t — having too much credit card debt, according to a survey. The average amount of credit card debt that’s considered

Low Credit Score? You Can Still Get a Mortgage Loan

Do you have a low credit score? You may be in for a little luck if you want to buy a home. It’s easier to buy a house now than it was a decade ago. More homebuyers are qualifying for a mortgage with a

How Much is Your Identity Worth to Thieves?

From your PayPal login to access to your Amazon and Airbnb accounts and basic financial details tied to your credit cards — among dozens of other logins — your entire online identity is worth about the price of a new iPhone X. It’s pretty

Researchers Try to More Accurately Flag Suspicious Activity on Credit Cards

Having your credit card declined by a cashier can be a bit embarrassing and a hassle, especially if it’s not your fault or credit card fraud is suspected. If a sale was blocked by your credit card company because it suspected fraud when you

This is How Credit Cards Will Work in the Future

It used to be embarrassing to buy a pack of gum or other small purchase with a credit card. Not anymore. It’s common to see people pull a credit card out to buy something for $5 or less when they don’t have cash on

How To Use The Fair Credit Reporting Act To Your Advantage

Using a credit card is easy — you use the card to buy things and then pay the credit card bill. A credit card can sometimes be difficult, however, when dealing with your credit file. From a  missed payment to a loan that isn’t

Can You Buy Bitcoin with a Credit Card?

If you’re going to join the roller coaster ride of investing in Bitcoin or other cryptocurrencies, buying virtual currency can take more effort than it does to make typical investments online. You’ll likely have to buy it through an exchange — a website to

5 Credit Card Perks You Should Take Advantage of (and 5 to Avoid)

Figuring out your credit card’s interest rate and what some of the card’s best perks are should be easy. Both should be listed in promotional material, with the interest rate also listed in a separate contract and on billing statements. Other information, such as