Smart Ways to Use Your Tax Refund to Pay Off Debt and Raise Your Credit Score

We’re knee deep into tax season and if you’ve played your cards right you should be expecting your refund some time in the next few weeks, assuming you’ve filed your returns already. So what should you do with your newfound windfall? Take a vacation? Make a down payment on a new car? Or, perhaps something smarter? Here are several other options to help you spend your tax refund a little more wisely.

Credit Reporting Overhaul Agreement Will Bring Massive Changes In Credit Reporting

In one of the largest industry overhauls in more than a decade, the three credit reporting agencies — Equifax, Experian and Trans Union — will change the way they handle credit report errors and disputes, unpaid medical bills and more. John Ulzheimer, credit expert for, breaks it down and explains exactly what this overhaul entails.

Your One Way Ticket to Jail, the Credit Privacy Number

If you’re wondering what a Credit Privacy Number (CPN) is, and whether or not it can legally be used to escape a bad credit history, read on. John Ulzheimer, credit expert for Credit Sesame, explains what you need to know about CPNs as well as a word of warning if you’re thinking about using one.

How Long Does It Take To Rebuild Your Credit?

How long does it take to rebuild your credit? The answer, you’ll find, depends greatly on what went wrong. John Ulzheimer, credit expert for CreditSesame, explains and shares the various timeframes you can expect depending on your individual situation.

Why the Anthem Data Breach Is a Life Sentence

It’s unusual that we can go more than a few months without the announcement of yet another data breach of some high profile company. That news alone is bad enough. What’s even worse, I believe, is that we are becoming desensitized to the severity of these breaches thanks to the frequency at which they’re occurring.

Three Credit Tips to Help You Achieve Marital Harmony

You've formally taken the plunge and entered the world of marital bliss. You’ve committed to each other “in sickness and in health” and “for richer or for poorer,” but one question is yet to be answered: what should you do about your credit?

5 Things You Can Easily Get Removed From Your Credit Reports

After reading an article about how easy it is to remove satisfied judgments from credit reports, a skeptical reader writes in to get clarification from a reliable source. John Ulzheimer, industry veteran and credit expert for Credit Sesame, answers and breaks it down even further to explain five things you can easily get removed from