credit

So let’s face it: the first person that the general public associates with credit and credit reports at this point in history is the actor who stars in those frighteningly catchy commercials for FreeCreditReport.com. Read More

It’s always tempting when taking out a loan on an automobile to go an extra year.

The reason for the temptation is clear – it lowers the monthly payment on the vehicle. We typically budget in months, pay our bills by months, pay our auto loan by months, so it is natural to focus on the monthly payment when buying a car. Read More

Among the most interesting provisions in the new credit card reform legislation is the end of the controversial practice known as Universal Default.

The legislation, passed in May and set for full implementation next year, banned the practice, which allowed credit card companies to increase interest rates based on factors that had nothing directly to do with a customer’s account. Read More