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Why Did My Credit Score Drop?

A reader writes in, confused and looking for answers as to why her credit score would have dropped more than 50 points through no fault of her own. John Ulzheimer, credit expert for Credit Sesame, answers. “John, I’ve been tracking my credit scores through a variety of different places including Credit Sesame, and two of

Know Your Rights: How to Dispute a Credit Card Charge

Not all credit card charges are set in stone. Whether a charge is the result of fraud, bad business or human error, in many cases it’s not only possible to have the charge removed, the process can actually be quite easy. In fact, the initial action is often in favor of the consumer – the

Links We Love: What I Learned From Getting My First Credit Card at 28

Taking a look at the best personal finance tips and advice from others around the web! This week we’re highlighting a personal story on what one woman learned from getting her first credit card a year ago at the age of 28, a hard look at why you should never cosign a loan, how to

Credit Decisions Gone Wrong: Real-Life Examples of What NOT to Do With Your Credit

Over the past few years I’ve been compiling a list of real-life scenarios where people have played a metaphorical game of Russian roulette with their credit — and lost. Here are two real-life examples of credit decisions gone wrong, and how their bad decisions lowered their credit scores.

Overcoming Financial Fears and Living Richly

You check your account balances every single day. But there’s more to feeling rich than just stacks of bills in the bank — especially if money anxieties are keeping you from truly enjoying life. If you find your financial confidence currently lacking, try out one (or several) of these strategies for overcoming financial fears. We think

6 Super Simple Last-Minute Savings Tricks to Celebrate Halloween on a Budget

Halloween isn’t just for kids anymore. The scariest night of the year has grown beyond simply being for little kids to dress up and collect candy from neighbors. All Hallows Eve has become a money-maker for retailers, being the second most-expensive holiday behind Christmas. The National Retail Federation (NRF) reports record-breaking spending estimates for costumes

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