Yearly Archive:: 2017

Why Debit Card Users Are at a Higher Risk for Fraud

Credit card fraud can seem rampant, with almost daily reports on consumers’ identity being stolen or hacked. Credit and debit card fraud totaled $4.5 billion in 2016, though new computer chips on cards are expected to help drop that to $1 billion in 2020,

7 Ways to Protect Your Identity During the Holiday Shopping Season

As easy as it is to get online and browse the internet from the comfort of your couch or at a restaurant with a phone, it isn’t an anonymous experience. Online thieves and even people looking over your shoulder can steal your identity and

How Eviction Can Affect Your Credit Score

Going through an eviction can be the nadir of financial problems. Losing a job, unpaid medical bills and being hounded by bill collectors can be major life events accompanying an eviction. Being evicted from your home or apartment may be the final financial straw

How to Get the Most Cash Back on Your Credit Card

Using a cash-back credit card can seem pretty simple: Use the card to buy things and you’ll get cash back from your credit card company. Getting that free money of 5 percent or even more on every purchase is easy, but there are some

The Right Way to Ask for a Credit Limit Increase on Your Credit Card

A higher credit limit can come in handy in a number of ways. It can help you pay for something in an emergency, allow you to make large purchases you require, and even improve a credit score. Asking for a higher credit limit, however,

4 Hacks to Never Pay Credit Card Interest Again

Imagine spending $16 more for every $100 purchase. A new pair of shoes, expensive dinner out or just a parking space at a Los Angeles Chargers football game can cost $100. Add $16 to each expense — and we’re not talking taxes — and

What to Do If an Employer Wants to See Your Credit Report

If an employer asks to see your credit score as part of a job application, be wary — for a few reasons. First, it’s illegal for employers to check your credit score. Second, they’re probably confusing a credit score with a credit report, and

Chase Personal Loans for Bad Credit

Chase Bank, as one of the largest banks in the country, has an extremely large portfolio of products. These products range everywhere from credit cards to savings accounts to mortgage loans. That said, Chase does not currently offer personal loans. Even if you have

Fraud Alert Vs. Credit Freeze Vs. Credit Lock – What Are the Differences?

In the wake of the Equifax data breach that the credit bureau announced in September that left millions of people with stolen identifying information from their credit data, consumers have been warned to take extra steps to protect their personal information. Checking a credit

Credit Repair Software: Rip off or Legit Way to Fix Bad Credit?

I’ve recently had quite a few readers write in and ask me about credit repair software. The questions generally center around what exactly is credit repair software and is it an effective way to repair credit. I think it will be beneficial to go