Can I Sue a Company for Sending Me to Collections?

It happens. A collections notice shows up, a debt collector starts calling or you find a negative report on your credit history, but you know you paid the account in question. Can you sue a company for sending you to collections for money you didn’t owe? Find out more about what the law says about… Read More

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What to Do When Your Credit Card Goes Missing

You’re likely to lose track of a credit card at some point—many people do. You’re standing at the checkout counter, you open your wallet and it’s not there. What you do depends on how prepared you are and whether you think the card was lost or stolen. How to Prepare for a Lost Credit Card… Read More

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How and When to Talk to a Credit Bureau

Your credit score can have a huge impact on your life—for better or worse. In many ways, the three major credit bureaus are the keepers of your credit score. They’re responsible for maintaining credit reports, which means you may need to contact them about the information included on yours. While this may seem daunting, it’s… Read More

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How to Protect Your Credit Score During COVID-19

The COVID-19 coronavirus pandemic has affected everyone all around the world. Extended isolation and sudden job losses have everyone thinking about their futures. Lots of people are concerned about losing a reliable income source during this time of crisis. Some have even been forced to shut their businesses. The global pandemic has turned many people’s… Read More

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How Often Can You Check Your Credit Score, and How Do You Get It?

Do you keep a close eye on your personal finances? Or maybe you’ve never given them much thought. Either way, it’s time to start paying more attention to your credit score. Your credit score can control a lot—what loans you qualify for, the credit cards that are available to you, etc. To keep on top… Read More

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Prepare for Holiday Shopping with These Timely Credit Tips

According to a YouGov Parent Survey in 2019, a quarter of parents entered the 2019 holiday shopping seasonstill paying down debt related to 2018 holiday spending. Deloitte numbers put holidayretail salesgrowth in 2019 at 4.1% year-over-year. In 2020, Deloitte predicts growth of between 1% and 1.5% year-over-year for the holiday season. It might be that… Read More

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Don’t Get Tricked: Identity Protection Tips You Need

The weather is turning, fall is in the air, and Halloween is around the corner—which means it’s National Cybersecurity Awareness Month. How can you ensure October is full of treats while not falling for any scammers’ tricks? By arming yourself with these identity protection tips. Every American should understand the basics of identity theft protection…. Read More

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Credit 101: What Is Revolving Utilization?

According to Experian, the average credit score in the United States was just over 700 in 2019. That’s considered a good credit score—and if you want a good credit score, you have to consider your revolving utilization. Revolving utilization measures the amount of revolving credit limits that you are currently using, and it accounts for… Read More

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10 Ways to Build Credit Without a Credit Card

Credit cards are a great tool for building credit. They’re easy to use, offer flexibility, and sometimes even reward you for using them. Most also directly impact your credit score and are used by many people to begin building their credit profile. But what if you don’t want a credit card or are having trouble… Read More

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