As we enter the spring of 2018, the Fair Debt Collection Practices Act, or FDCPA, remains an important legal protection for consumers who are dealing with debt collectors. Due to its importance, our free Consumer Guide to Good Credit has valuable information about the FDCPA. The FDCPA was passed in 1977 to restrict abusive activity…
Posts Categorized: Personal Finance
For some people, tax refunds can be a nice addition to a bank account each year. However, if you have a list of urgent bills, overdue debts, or large purchases, your tax refund might be more of a financial necessity than padding for your savings account. Once you file your taxes, refunds can take weeks…
Leaving your 20s behind can feel like a call to be more responsible, a more full-fledged “adult” than you were in college and those first years on your own. Many articles suggest trips to take before you turn 30. Our advice? Don’t worry about booking vacation flings before a birthday deadline. Those countries will stick…
Many news stories about debt revolve around the millennial generation. Debt troubles aren’t restricted to one generation, though, and as Baby Boomers enter retirement age, many of them worry how they’ll finance their “golden years.” If you’re hoping to retire debt-free, make a plan to tackle these common sources of Baby Boomer debt. Control Credit…
Creating your own get-out-of-debt plan truly is possible. With some fundamental changes to your lifestyle, you can get out of debt fast even with a low income. However, turning around your financial situation doesn’t happen without some work. It requires commitment, planning, and strong self-discipline. But luckily, it gets easier over time as you build…
“I don’t know much about being a millionaire,” author and legendary writer Dorothy Parker once said, “but I’ll bet I’d be darling at it.” Wouldn’t we all! While most of us won’t be buying a yacht anytime soon, you can apply some smart advice from millionaires to your life on almost any paycheck. Pay Yourself…
Paying off credit card balances is one of the primary goals we at credit.org help people achieve. It’s on practically everyone’s roadmap to financial freedom. The process of paying down a credit card balance may seem obvious, but there are some things anyone who pays off a credit card balance should know. 1. You should…
Many of us treat our twenties as a time for exploration and a few mistakes while we figure out what to do with our lives. Don’t let credit mistakes haunt you. Here’s what I wish they taught about using credit as a young adult. Build Credit However You Can Credit isn’t just an alternative to…
Last updated: 11/22/2017 One law that changed credit card statements was the Credit CARD (Credit Card Accountability, Responsibility and Disclosure) Act of 2009, which required a clear disclosure on the statement about minimum payments. This mandated disclosure must inform the borrower how long it will take to pay off a credit card balance if s/he…
Thanks to the modern approval processes, applying for a new credit card from a credit card company, a bank or even a department store is as easy as answering a few questions. With the number of discounts offered at many major retailers, applying for a credit card at your favorite store can be tempting. But…
Homeownership is still a major part of achieving the American Dream. I should know: I bought my first home with my husband two years ago, at age 28. So why is it that 2 out of 3 Millennials (many of whom are in their 30s) rent instead of own their homes? Common misconceptions can make…
Exploring the different types of home mortgage loans available will present you with a wide array of products, terms and options. There are important differences to understand and consider in each of these areas and it can get complex and complicated. It’s a good idea therefore to start with the basics. When looking for a…
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