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6 Signs You Should Switch Your Credit Card

Not all credit cards are keepers, but how do you know which ones to hold onto and which ones to send down the road? Follow these guidelines. 1. Big Annual Fee Is a big annual fee coming due soon on your card? This might be a good time to review the value of the card

How Many Credit Reports and Scores Will My Lender Pull?

After applying to refinance his mortgage, a Credit Sesame reader writes in for advice to find out why the mortgage lender pulled a ti-merge report instead of his credit report.  John Ulzheimer, credit expert for Credit Sesame, answers. “John, I applied to refinance my home loan last month and the mortgage company didn’t pull my

3 Harsh Realities Everyone Should Know About Student Loan Debt

What you don’t know can hurt you. American borrowers owe a record $1.2 trillion in student loan debt, a number that has tripled in the last ten years, according to Sallie Mae. Within those numbers, nearly one million retirees are saddled with $18 billion in outstanding student loans, a dollar amount that has risen 600

Co-Signing Dangers: Why You Should Think Twice Before Co-Signing a Loan

If you’re like most, when you hear of a family member or friend having money difficulties, you want to provide help. In some instances, that assistance doesn’t have to come in the form of cash; you can aid someone financially by co-signing with them on a loan. Unfortunately, this act of goodwill (which allows someone

9 Ways to Pay Off Your Student Loans Early

Student loans are an albatross around the necks of millions of Americans. More than 70 percent of today’s graduates walk away from school with debt, averaging about $35,000. We are not immune at any age. Many borrowers struggle with the payments for decades, far beyond the school years. Nearly one million retirees carry a record $18.2 billion in

How Do You Know If Your Identity Has Been Stolen?

Identity theft will likely the number one complaint to the Federal Trade Commission in 2015. I can state that with some conviction because identity theft has been the number one complaint to the FTC for the last 14 years. The question most of us wrestle with is this…how do I know my identity has been stolen?

Keeping Your Kids Safe Online

There’s now mounting evidence that the most tech savvy of all generations, the legendary Millennials, may have completely missed the message when it comes to personal privacy and security. Which means that rather than try flogging a dead cause, we need to instead focus on preventing the same cluelessness and apathy from being passed down to