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Medical Debt, New FICO Score Good News or No News

Last week, FICO, the nation's top credit score provider, announced upcoming changes to the way some debts impact your credit score. This could be good news for thousands of people, if lenders adopt this new model.

Urban Institute Study Raises the Question of Why People are not Reaching Out for Financial Help

People may be hesitant to reach out for help due to misconceptions about financial counseling. Here are some of the false beliefs that consumers admitted in the 2014 NFCC Financial Literacy Survey

Collection Agencies, Courts and Your Rights

Some collection companies may be more effective simply by using the letterhead from local courts. Learn what you can do to protect your rights with debt collectors.

Another Data Breach This Time a Hotel, How to Protect Yourself

When you check into a hotel or rent a car you are required to present a credit card as security. This reality is troubling in light of the news that a single hotel in Houston reported it had been the victim of a data breach that potentially affected about 10,000 customers.

Credit Report Obstacles, Why We Have to Fight

Improving your credit score is one benefit to undergoing a financial makeover, but for many people it may not be the primary reason. This becomes especially obvious when you learn that you, the consumer, are not a credit reporting agency’s prime customer.

Debt Relief, How to Tell the Good Guys from the Bad Guys

Recent news that a payment processing company agreed to pay more than $1 million to settle a Federal Trade Commission (FTC) complaint is a reminder to all of us to be careful when considering companies or organizations that say they will help you reduce your debt. There are legitimate organizations that will help you, but it can be difficult to tell the difference between a legitimate service and a scam without gathering some information up front.

You Earn the Points, but Credit Card Companies Score the Most

If you are watching television at all these days, you have probably seen the ads that make credit card points look like a real score. In truth they can be. If you use a credit card correctly you can get some real deals by taking advantage of credit card incentives.

Five Tips For Asking a Creditor for a Break

Sometimes the key to reducing fees and interest on an account is simply asking the creditor. Here are some tips on how to pose that question.

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