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San Francisco’s Most Debt-Ridden ZIP Codes

There are a lot of words you can use to describe San Francisco — scenic, eclectic, hipster-friendly, but unfortunately, cheap isn’t one of them. The Golden Gate City has a crazy high cost of living but it doesn’t keep thousands of newcomers from flocking here each year. Part of what makes the city so expensive

The 5 Nastiest Credit Surprises for Divorcing Couples

How can a divorce get messy? Dare we count the ways? The financial disentanglement alone might take many years, and some risk to your credit is present until the separation is complete. We’ve narrowed down the six nastiest surprises that may affect a couple’s credit. The key is to be prepared for unwanted surprises that come out

How to Get Medical Debt off Your Credit Report

Consumers who become sick or injured and can’t pay their medical bills may find themselves facing multiple layers of insult and injury. Bad becomes worse when collection agencies hound by phone and mail and delinquent accounts stage an evil takeover of the consumer’s credit report. In fact, most reported collection accounts – 52% – are

How Marriage Affects Your Credit

You’re engaged, or thinking of tying the knot? Congratulations! Hopefully you’ve already had at least one conversation about credit and financial planning. For those of you who are concerned about how marriage might affect your credit, this information might help. Let’s first get a few facts straight about marriage and credit. Your credit files don’t

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

Will Paying Off Delinquent Debts Improve My Credit Score?

Credit Score and Delinquent Payments

One of the most common questions I get from consumers is whether or not paying or settling defaulted debts will improve their credit reports and credit scores.

The Secrets to Crowdfunding Your Student Loan Debt

Do you remember the story from last year about the guy with a crowdfunding campaign that was raising money to make potato salad? It sounds crazy, almost 7,000 people participated in his Kickstarter project, raising more than $55,000. While crowdfunding sites still have their fair share of (ahem) unique fundraising requests, some twentysomethings are using

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