Markets

5 Important Facts The Movie ‘Identity Thief’ Got Wrong

[credit provider=”Universal”] The movie “Identity Thief” opens nationwide this weekend, and though we love a good laugh, this flick comes at a cost: the truth.The topic deserves the national attention that the movie, starring Jason Bateman and Melissa McCarthy, will generate, but the devil is in the details. And many of […]
5 Important Facts The Movie ‘Identity Thief’ Got Wrong
Markets

How To Know If You’re Truly Ready To Buy Your First Home

[credit provider=”Flickr via sizes” url=”http://www.flickr.com/photos/990903/5605633172/sizes/l/in/photostream/”] One of the things many of us think about as children is growing up and buying a house.It seems like the crux of reaching adulthood.
How To Know If You’re Truly Ready To Buy Your First Home
Markets

Here’s How To Dispute Credit Report Mistakes

[credit provider=”statigr.am/luvfithealth” url=”http://statigr.am/p/189094647498632818_19411370″] The information in your credit reports is what’s used to create your credit scores, so you don’t want to let mistakes on your credit reports potentially throw your credit scores out of whack.An FTC study released today shows that one in five consumers have errors on their credit reports […]
Here’s How To Dispute Credit Report Mistakes
Markets

6 Ways To Cut Your Credit Card Interest Payments

[credit provider=”Flickr/Kate Hiscock” url=”http://www.flickr.com/photos/[email protected]/8169560070/”] Credit card interest can be devastating to cardholders who are trying to pay off their debt.Once they start to carry a balance, compounded interest is accumulating on every purchase from the moment of the transaction.
6 Ways To Cut Your Credit Card Interest Payments
Markets

There’s A Point When Owning A Home Is More Of A Liability Than A Good Investment

[credit provider=”Flickr / Big Grey Mare” url=”http://www.flickr.com/photos/biggreymare/2329414349/in/photostream/”] We all know that the best way to make money grow is to invest — but the stock market can be a scary, unpredictable beast to those who don’t have experience with it.That’s why many choose to invest in real estate — whether […]
There’s A Point When Owning A Home Is More Of A Liability Than A Good Investment
Markets

Here Are The Most Dangerous Cities To Take Out A Mortgage

[credit provider=”John Moore/Getty Images” url=”http://www.gettyimages.com/detail/news-photo/brandie-barbiere-tries-to-explain-to-her-husband-dan-news-photo/128281025″] The housing market has been improving significantly for nearly a year at this point, but with those upticks in activity across the board in the last several months, it seems that instances of potential fraud also increased.The total amount of possible mortgage fraud nationwide rose […]
Here Are The Most Dangerous Cities To Take Out A Mortgage
Markets

12 Reasons Christmas Is The Scammiest Time Of Year

[credit provider=”Flickr via perry-pics” url=”http://www.flickr.com/photos/perry-pics/5251240991/in/photostream/”] By Jill KrasnyAs more consumers pick up their smartphone and tablet to go holiday shopping, cyber crooks will try just about anything to dupe them out of their hard-earned money.
12 Reasons Christmas Is The Scammiest Time Of Year
Markets

The Best US Credit Cards You Can Get For Airline Miles

[credit provider=”credit.com” url=”http://blog.credit.com/2012/11/best-credit-cards-airline-miles/”] Welcome back to our Best Credit Cards in America series. We are pleased to announce that we will now be issuing awards each month in one of twelve categories.This month, we are presenting awards for the Best Credit Cards that offer Airline Miles.
The Best US Credit Cards You Can Get For Airline Miles
Markets

There’s More Than One Way To Use A Reverse Mortgage

[credit provider=”Flickr / mreid1166″ url=”http://www.flickr.com/photos/mikereid/2163787985/in/photostream/”] You may have heard of reverse mortgages as a way for seniors to tap the equity in their homes to pay for living expenses, but there are other ways that homeowners are using their homes to get by.Many seniors are on fixed incomes, with Social […]
There’s More Than One Way To Use A Reverse Mortgage
Markets

The 7 Financial Papers To Stash In Your Hurricane Survival Kit

[credit provider=”kris krüg / flickr” url=”http://www.flickr.com/photos/kk/18768224/”] With Hurricane Sandy barreling toward us, it’s important to make sure your financial house is truly in order. If you’re planning on evacuating, there are certain documents that you will need to be able to access following a natural disaster or emergency.The goal here […]
The 7 Financial Papers To Stash In Your Hurricane Survival Kit
Markets

HomeLiberty Wants To Rescue Your Severely Underwater Home

[credit provider=”U.S. Pacific Fleet via Flickr” url=”http://www.flickr.com/photos/compacflt/5415431254/in/[email protected]/”] Homeowners who are severely underwater but want to keep their homes often have few options.  They can try to get their lender to modify their loan, but with Federal Housing Finance Agency head Ed DeMarco refusing to allow principal reductions on loans owned or […]
HomeLiberty Wants To Rescue Your Severely Underwater Home
Markets

These Are The Cities With the Worst Credit Scores

[credit provider=”Flickr via mmmswan” url=”http://www.flickr.com/photos/mmmswan/4211839788/in/photostream/”] They say everything is bigger in Texas. But apparently that doesn’t apply to credit scores.Credit reporting bureau Experian released its annual State of Credit report, which examines various statistics related to personal credit on both a national and local level. That includes ranking America’s cities […]
These Are The Cities With the Worst Credit Scores
Markets

Pew Report: Prepaid Cards Are a Bum Deal For Most

If you keep your checking account in good standing and use direct deposit, there’s likely no reason for you to ever consider getting yourself a prepaid card. But the industry’s rapid growth indicates that plenty of Americans find them useful: the industry is expected to reach $201.9 billion in 2013, […]
Markets

Word To The Wise, Don’t Brandish Your Medicare Card On TV

[credit provider=”Flickr / 401(K) 2012″ url=”http://www.flickr.com/photos/[email protected]/6280517815/in/photostream/”] Last night, in the midst of former President Bill Clinton’s speech at the Democratic National Convention, the camera cut away to an audience member holding up what is a familiar sight for the roughly 50 million Americans who participate in Medicare — a Medicare […]
Word To The Wise, Don’t Brandish Your Medicare Card On TV
Markets

Don’t Let A Car Accident Wreck Your Credit Rating

[credit provider=”Flickr / popmayhem” url=”http://www.flickr.com/photos/popmayhem/150619/sizes/m/in/photostream/”] An auto crash may do more than just wreck your vehicle. It may cause long-term damage to your credit reports and scores as well.We’ve heard from many accident victims over the years who wound up with medical bills in collections while they waited for insurance […]
Don’t Let A Car Accident Wreck Your Credit Rating
Markets

How To Dilute Your Credit Score To Make It Look Higher

[credit provider=”Flickr via oter” url=”http://www.flickr.com/photos/oter/3104958433/in/photostream/”] Is it possible to dilute your bad credit with good to boost your score? The Credit.com News & Advice Blog recently received the following comments from one of our readers:I had a lot of medical collection accounts from an illness about 1 1/2 years ago. […]
How To Dilute Your Credit Score To Make It Look Higher
Markets

How To Get A Refund When The Merchant Won’t Give You One

[credit provider=”Spencer Platt/Getty Images”] Credit cards provide great protection against fraudulent charges, and some can even bag you great cash-back rewards.But perhaps the best thing about paying for your purchases with a credit card is that in the event of a dispute with a merchant, it provides the ultimate ace up your […]
How To Get A Refund When The Merchant Won’t Give You One
Markets

10 Things That Are Driving Consumers Absolutely Nuts

[credit provider=”Tony Crescibene via flickr” url=”http://www.flickr.com/photos/crescibene/2187402725/sizes/l/in/photostream/”] The top consumer complaints among Americans last year stay relatively the same, with car, credit and debt complaints topping the list.An annual report released by the Consumer Federation of America (CFA) and the North American Consumer Protection Investigators (NACPI) shows that while the top complaints remained […]
10 Things That Are Driving Consumers Absolutely Nuts
Markets

Should I Ignore This Absurd Medical Bill?

[credit provider=”isafmedia/Flickr” url=”http://www.flickr.com/photos/isafmedia/4517663006/sizes/l/in/photostream/”] The pinky finger was sprained and pointing backwards. Now Blake faced that modern American dilemma: Incur the expense of going to a hospital emergency room, or endure the pain?He couldn’t pop the pinky back into place, so Blake went to La Palma Intercommunity Hospital in Orange County, […]
Should I Ignore This Absurd Medical Bill?
Markets

Twitter Hashtags Credit Card Customers Should Know

[credit provider=”Cambodia4kids.org Beth Kanter/Flickr” url=”http://www.flickr.com/photos/cambodia4kidsorg/6046126385/”] Following your credit card issuer definitely has some benefits. Oftentimes, the social network is the best place to learn about exclusive offers, discounts or new promotions an issuer is rolling out. Oftentimes, eligibility for these promotions or contests is contingent on tweeting out a specified […]
Twitter Hashtags Credit Card Customers Should Know
Markets

Walmart Comes Out Against The $7.25 Billion Swipe Fee Settlement

[credit provider=”markyeg/Flickr” url=”http://www.flickr.com/photos/markjms/3466232927/sizes/m/”] Though many businesses considered the recent decision to settle a massive class action suit against the world’s two largest credit and debit card payment processors to be a big success, larger companies have expressed concern over it.Walmart recently came out in opposition to the $7.25 billion settlement between merchant groups and […]
Walmart Comes Out Against The $7.25 Billion Swipe Fee Settlement
Markets

8 Ways To Tell If Your Identity’s Been Hijacked

[credit provider=”The Oil Drum” url=”http://www.theoildrum.com/files/matrix-150×150.jpg”] While frequent data breaches may have desensitised some consumers to identity theft, it’s still important to pay attention to early warning signs your info is being used illegally, no matter how creative, silly or transparent a scam may seem.
8 Ways To Tell If Your Identity’s Been Hijacked
Markets

Your Kid Is Almost Guaranteed To Quit These Pricey Hobbies

[credit provider=”flickr/[email protected]″ url=”http://www.flickr.com/photos/[email protected]/4394715705/sizes/l/in/photostream/”] An allowance, clothes, food, toys, games, electronics, movies. You buy your kids lots of things. But one of the biggest expenses can be equipment and apparel for the after-school sports they’re dying to join one day and then are totally over the next.The kids’ sports industry is […]
Your Kid Is Almost Guaranteed To Quit These Pricey Hobbies
Markets

Yes, The IRS Really Can Take Your Inheritance

[credit provider=”Flickr / Rosie O’Beirne” url=”http://www.flickr.com/photos/rosieobeirne/4090200698/in/photostream/”] By Gerri DetweilerA debt to the IRS can create enormous problems. If the IRS files a Notice of Federal Tax Lien, your credit scores will tumble. And you’ll likely find out that the IRS has a wider variety of collection tools at its disposal […]
Yes, The IRS Really Can Take Your Inheritance
Markets

The Easiest Way To Wipe That Stain Off Your Credit Report

[credit provider=”Flickr / zoomar” url=”http://www.flickr.com/photos/zoomar/132638187/sizes/m/in/photostream/”] The information in your credit reports is what’s used to create your credit scores, so you don’t want to let mistakes on your credit reports potentially throw your credit scores out of whack. Here’s how to dispute credit report mistakes, step-by-step:Step One: Order current copies of […]
The Easiest Way To Wipe That Stain Off Your Credit Report
Markets

Get Your Credit Out Of The Toilet By Focusing On Your Score And Not Your Report

[credit provider=”Flickr / attila acs” url=”http://www.flickr.com/photos/attilaacs/4322088487/in/photostream/”] By Barrett BurnsMy recent Credit.com column, Credit Score Obsessed? Don’t Be, I likely surprised many readers by recommending that consumers pay less attention to their credit score and focus their credit management energies on their credit report.
Get Your Credit Out Of The Toilet By Focusing On Your Score And Not Your Report
Markets

Cleaning Your Mess Of A Credit Report Is About To Get Easier

[credit provider=”Flickr / zoomar” url=”http://www.flickr.com/photos/zoomar/132638187/sizes/m/in/photostream/”] A consumer’s credit score is perhaps the most important piece of financial information about them because it boils down almost their entire borrowing history to a single three-digit number.Now, a federal consumer watchdog is setting its sights on the reports on which those scores are […]
Cleaning Your Mess Of A Credit Report Is About To Get Easier
Tech

Experts: Mobile Wallets Could Replace Cash, Cards by 2020

Though there are currently a number of concerns that may restrict consumers’ ability or desire to use mobile wallet technologies to make payments in their everyday lives, many experts now predict those will be cleared within the next few years.
Markets

Credit Lenders Are Already Back To Wooing College Students With Prepaid Cards

[credit provider=”Flickr / breezy421″ url=”http://www.flickr.com/photos/breezy421/4892362165/in/photostream/”] Federal law now prohibits lenders from using certain tactics to market credit cards to young adults, so now some major lenders are looking for new ways to make a name for themselves on college campuses across the country.One new strategy is partnering with colleges to make […]
Credit Lenders Are Already Back To Wooing College Students With Prepaid Cards
Markets

These Debt Collector Calls Are The Easiest Way To Get Scammed

[credit provider=”Vitor Lima/Flickr” url=”http://www.flickr.com/photos/vitorcastillo/2994723741/”] By Gerri DetweilerWe’ve been warning consumers about fake overseas payday loan collection scams for a few years now. So it can be disheartening when we hear stories, like this one that was posted last week on our blog:
These Debt Collector Calls Are The Easiest Way To Get Scammed
Tech

Subprime Borrowers Get More Access to Credit

During and even in the wake of the recent economic downturn, many consumers fell behind on their various credit payments and banks responded by severely tightening lending restrictions.
Markets

Foreclosure Mediation Seen as a Help to Consumers

Though the housing market is still improving, albeit rather slowly, many consumers live under the threat of foreclosure or have already suffered this type of action. However, more states are now turning to a process that proponents say allows more homeowners to keep their property.
Markets

How I Learned To Stop Worrying And Embrace The Credit Card

[credit provider=”Business Insider / Jill Krasny” url=”http://www.businessinsider.com.au/yourmoney”] It took a year and some change before I embraced the travel rewards card, or really any credit card for that matter. Ever since paying off $3,000 in credit card debt, I was convinced my finances had to be pristine in order to justify […]
How I Learned To Stop Worrying And Embrace The Credit Card
Strategy

Hey, Get Out of My Face(book)

Over the past few months there’s been a growing hue and cry over reports that some employers ask job applicants for their Facebook login and password information as part of the vetting process. They are hardly alone, though it’s not easy to know just who’s doing it and who’s not. […]
Tech

Apple Gets Bigger Slice of Mobile Payment Pie

Companies that both develop and use the new type of credit card payment processing platform that allows businesses to accept purchases using mobile devices are leaning more heavily on the operating system popularised by Apple.
Tech

Obama Pushes New Mortgage Payment Relief Plan

President Obama unveiled a new plan to cut fees associated with refinancing any government-backed mortgage. In doing so, he highlighted that the discounts associated with the new plan would save the typical American family whose mortgage refinance was obtained before June 1, 2009, about $1,000 per year. The change could affect somewhere between 2 million and 3 million Americans who received refinances […]
Tech

Mortgage Settlement Helps Allegedly Abused Troops

In addition to a plan announced earlier this week to give millions of homeowners a break on the mortgage fees they pay every month, President Barack Obama and his administration also announced that they would step up efforts to help servicemembers who were wrongfully foreclosed upon in the last few years.
Markets

National Consumer Protection Week Starts With You (Not Uncle Sam)

[credit provider=”Flickr / @boetter” url=”http://www.flickr.com/photos/jakecaptive/419258111/sizes/m/in/photostream/”] This year, in particular, no one really wants a restrained consumer; and by no one I mean not your Occupy Wall Street-friendly local small business, nor the largest of American corporations, nor the government, nor the underpaid factory workers in China. NO ONE.
National Consumer Protection Week Starts With You (Not Uncle Sam)
Tech

Here’s A Look At The New Breed of Phishing Scams

[credit provider=”Business Insider” url=”http://www.businessinsider.com.au/”] Maybe you think you can spot scam emails by the broken English, the pleas to wire money via Western Union and the references to Nigerian princes. Think again. The latest phishing attacks are so well-crafted, they look exactly like emails you might receive from major banks […]
Here’s A Look At The New Breed of Phishing Scams
Markets

Hope You Didn’t Throw Out This Class Action Settlement Check With Your Junk Mail

[credit provider=”Jacob Davies via Flickr” url=”http://www.flickr.com/photos/jacob-davies/1339923624/”] More than 10 million consumers will be receiving checks in the mail from a multi-billion dollar lawsuit against credit card companies that allegedly overcharged travellers for overseas transactions.Just be sure you don’t toss out your check with the rest of your junk mail, Credit.com’s […]
Hope You Didn’t Throw Out This Class Action Settlement Check With Your Junk Mail
Markets

Here Are 7 Things Your Credit Card Company Hopes You Never Find Out

[credit provider=”Andres Rueda via Flickr” url=”http://www.flickr.com/photos/andresrueda/3027534098/”] It’s not that your credit card company deliberately wants to keep you in the dark. Hmmm…OK, maybe some do!But most major banks are pretty good about disclosing terms and conditions on credit cards. The tips I’m talking about here fall into the “I didn’t […]
Here Are 7 Things Your Credit Card Company Hopes You Never Find Out
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