credit score
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Informal lending can boost your credit score
Oct 19, 2012
A group in San Francisco has found a way to report informal lending circles popular among some immigrant groups to credit bureaus -- as a way to boost the credit scores of participants.
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Should you take on debt to help your credit score?
Oct 12, 2012
Many of us have heard that in order to keep our credit in good standing, it is actually best to keep some debt on the books. But is there really any truth to this?
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Bark or bite: Credit reporting agencies get watchdog
Jul 20, 2012
Around 40 percent of credit reports have mistakes on them -- and it is a pain to get them fixed. The Consumer Financial Protection Bureau announced that it will start scrutinizing credit reporting agencies.
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A new cop on the credit reporting beat
Jul 18, 2012
New government oversight could give consumers more power.
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Europe and a credit card
Jun 4, 2012
Hi! I'm living in Europe for a year or so, but all my bank accounts are still in the U.S. I've been using my credit card for everything and paying off the balance monthly. Is this bad credit card behavior? Could I be hurting my credit score? Thanks! Alexa, Baltimore, MD
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Time to attack credit card debts
May 31, 2012
I received a large bonus, and I'm going to use it all to pay down credit card debt. I have many cards. They all have about the same outstanding balances and about the same interest rates. At one time, most of the cards were "maxed out," which was bad for my credit score. Should I pay off a couple cards entirely, or should I make larger-than-usual payments to all of them, bringing down the outstanding balances substantially below the credit limits? Thanks. Henry, Chicago, IL
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Getting back to our old (good) credit score
May 23, 2012
My husband and I gave our daughter $40,000 for a down payment on a condo. She defaulted on the loan and went into foreclosure. Consequently, our credit score has tanked. How can we get our old great credit back? Nobody cares that we were not the ones who defaulted. Please help. Cathy, Redmond, OR
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Advice on getting a credit card
Apr 24, 2012
My friend is 24 and a young mother. She has never had a credit card and she wants to build her credit. Her income is somewhat limited at the moment because she has a new baby and only works part-time, but she wants to be able to pay for small daily expenses with a card that she can pay off in full every month. She is not seeking a large credit line. Even $100 would be sufficient. Can you provide some advice on what kind of card and where to start for someone looking to build good credit? Should she try prepaid credit cards? Any advice would be most sincerely appreciated. Esmeralda, Marlborough, MA
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Sound, simple money advice
Mar 22, 2012
I am 32 years old and would consider myself financially illiterate! I briefly held a credit card, but after a series of rather poor decisions at the age of 20, I got spooked by the idea of credit altogether. When I last checked my score several years ago, it was not surprisingly in the toilet.
In deciding to try and repair my finances, I checked my score today and found that it was (surprise!) 775! So after years of neglect, illiteracy and general incompetence, how do I maintain this incredible turn? Desperately in need of some sound, simple advice! Ryan, Cincinnati, OH
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What to do if your credit history is 'thin'
Mar 9, 2012
Living debt-free is a good thing, right? Those with little or no credit history are finding out you really can be "too thin."
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