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Personal Finance Blog

Catch up on the latest credit.org news and personal finance trends.

Find your financial freedom and partner with our experts by reading the latest in personal finance advice and tips!


In short, your credit utilization is the percentage of total credit used in comparison with the total credit available. Calculate your utilization by dividing your balance by your limit. For a simple example, let’s say you have one credit card, and it has a 10,000 dollar limit. If you owe $2,500 on that account, your…

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Do you want to close a credit card account but are unsure how it will affect your credit score? There are many reasons why we may want to close a credit card, such as avoiding annual fees, too many fees, high interest rates, or unsatisfactory customer service. Whatever the reason, please review the following to determine what is best for you:

The Fair Isaac Corporation FICO™ states “They would never recommend closing a credit card for the sole purpose of raising the score.”

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Consumer credit reports can vary in the way they look and the order information is listed depending on which of the three major national credit-reporting bureaus provided the report.   Consumers can obtain their free credit reports once every 12 months at www.annualcreditreport.com. If you believe that there is inaccurate information on your credit report, it’s…

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In honor of Women’s History Month, we recently wrote about natural advantages women have that can help them manage personal finances. Today we’re talking about the other side of the coin—disadvantages that women need to be aware of when dealing with money matters. Like we wrote before, we don’t want to stereotype anyone, and every…

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If you’re paid bi-weekly on Fridays, then this month might be a 3-paycheck month for you. It happens roughly twice per year for those workers who are paid every other week, and for many of us, it’s like winning a small lottery jackpot.

But rather than squander that occasional 3rd paycheck in a month, use those funds to help bring your personal finances into balance. Here are 5 suggestions for getting the most out of that extra paycheck:

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The debit card in your wallet is physically indistinguishable from your credit cards. It even has a Visa or MasterCard logo on it. Despite the similarities, it’s important to understand some key differences between the two kinds of cards. Credit card liability is limited for you. If your card is stolen or accessed fraudulently, the…

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5 Tips to Going Paperless

We wrote yesterday about the pros and cons of going paperless, and switching from mailed bank & billing statements to electronic ones. If you do decide to make the switch, we’ve got some advice for how to do it: Save a permanent copy. Paper statements are permanent, but some creditors and banks won’t keep your…

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More and more banks, creditors and utility companies are urging customers to go paperless and get all of their billing statements online. There are obvious advantages to this kind of arrangement—it’s better for the environment, for one—but there are downsides to consider. Should you go Paperless? Pros: Less waste Easier to gather info at tax…

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