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How Long Does Negative Information Remain On My Credit Reports?

Last month I wrote about the Fair Credit Reporting Improvement Act of 2014 and how it could possibly alter how long negative information remains on consumer credit reports. The article prompted several of you to reach out and ask me to clarify just how long negative information is allowed to remain on credit reports under

Links We Love: How Money Inequality Can Hurt Your Relationship

Taking a look at the best personal finance news, tips and advice from others around the web! This week we’re highlighting how money inequality can hurt your relationship, the most important thing you can do to get out of debt, surprising facts about millionaires, how one couple saved over $10k (in less than a year!)

How to Get Your Free Annual Credit Report

All U.S. consumers are entitled to receive a free copy of their credit report once every twelve months from each of the three major credit reporting agencies. The three major agencies are Equifax, Experian and TransUnion. How to Get Your Free Credit Report Don’t visit the agencies’ websites individually. Go to Be sure to

The Dawn of World War IV: America Under Cyber Attack

Einstein was wrong. World War IV will not be fought with sticks or rocks. It will be fought with bits and bytes, Trojans and bots, APTs and zero-days— it’s already started and we’re already losing. I’m not a fan of drama, especially as a tool to encourage the masses in a specific direction and even

How to Improve a Poor Credit Score

It’s one of the most common questions regarding credit scores and indicates that you understand the considerable value of having solid credit. “How in the world can I improve a poor credit score?” The answer, despite what you may have already read on the web, isn’t as simple as “pay your bills on time.” Paying

A Tricky Way to Save Money & Keep Your Financial Goals in Check

Savoring the moment when you achieve a financial milestone like paying off a credit card or having even a small financial victory like not giving in to an impulse purchase can help keep you on solid financial footing, according to new research. The researchers say that simply categorizing financial experiences can help consumers extend good

Links We Love: 38 Ways to Save Money Without Trying

Taking a look at the best personal finance news, tips and advice from others around the web! This week we’re highlighting 38 ways to save money without trying, why you should still save — even when you’re in debt, signs you have a toxic relationship with money, surpassingly simple ways to become a millionaire — and