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Personal Finance 2020-05-23T11:45:00Z
student loan forbearance vs deferment image

What's the difference between student loan forbearance and deferment? It comes down to interest and availability

Student loan forbearance is usually easier to qualify for than deferment, but loans are guaranteed to keep building interest.
Personal Finance 2020-05-22T19:43:00Z
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The 7 best starter credit cards of May 2020

If you have limited credit history or are looking to improve your score, these starter cards are easy to get approved for and offer some extra perks.
Personal Finance 2020-05-21T21:45:45Z
student loans college graduates

How to check and fix your credit if you've seen it drop since federal student loans went into forbearance

Some borrowers with student loans serviced by Great Lakes saw their credit scores drop after payments in forbearance were reported incorrectly.
Personal Finance 2020-05-21T16:41:00Z

I have a credit score in the high 700s, and I always check one thing on my credit report before applying for a new card

I maintain a high credit score with dozens of credit cards, but I always check the hard inquiries on my credit report before a new card application.
Personal Finance 2020-05-21T15:36:00Z

The 6 best credit cards for bad credit in May 2020

If you're new to credit or need to repair your credit, these are the best credit cards to help you improve your score.
Personal Finance 2020-05-20T20:20:00Z

Why American Express lowered my card's limit even though I have a credit score of 836 —?and what I could have done to avoid it

Credit card issuers can lower your credit limit if you go too long without using your card —?and a lower limit can hurt your credit score.
Personal Finance 2020-05-20T14:56:30Z

I grew up listening to Dave Ramsey and thinking financial advice was black and white, but in recent years I've found a better way

Dave Ramsey's money strategies may be a good fit for some people. But as I'm changing with age, I'm open to my financial goals changing, too.
Personal Finance 2020-05-19T20:15:00Z

Credit repair services will help fix mistakes on your credit report in exchange for a fee, but it's easier than you'd think to do it yourself

Credit repair services aren't miracle workers — they can help you fix errors on your credit report, but you can also do this yourself.
Personal Finance 2020-05-19T19:41:37Z

Suze Orman says now isn't the time to worry about credit card debt — save your cash instead

Suze Orman advises saving stimulus money, and taking on credit card debt instead to cover everyday expenses if the pandemic has cut your income.
Personal Finance 2020-05-19T15:43:00Z

What it takes to have an excellent credit score

What is an excellent credit score? Anything above 800, according to the FICO model. People with excellent credit practice a few good financial habits.
Personal Finance 2020-05-19T15:11:34Z

The average credit card interest rate by credit score and card

In the first quarter of 2020, the average credit card interest rate in the US was 15.09%, according to data from the Federal Reserve.
Personal Finance 2020-05-18T22:22:00Z

How to decide whether you should use a credit card or a loan to borrow money

Wondering whether you should use a credit card or personal loan to borrow money? Here are the pros and cons of each.
Personal Finance 2020-05-15T21:03:00Z

The best personal loans of 2020

SoFi and Lightstream top the list for the best personal loans to get credit for anything, from debt consolidation to a remodel.
Personal Finance 2020-05-15T20:09:00Z

3 options for people struggling to pay their mortgage during the global health crisis

If you've lost work due to the coronavirus, you might be worried about affording mortgage payments. Good news — you have options.
Personal Finance 2020-05-15T19:46:00Z

Most Americans who request help from their banks right now get it easily, but too many don't even realize they can ask

An April 13 LendingTree survey shows 91% of people who asked for help with credit card and mortgage payments were approved by lenders.
Personal Finance 2020-05-15T15:02:00Z

6 steps you can take to boost your chances of being approved for a credit card right now

You can't control whether a bank approves your credit card application, but you can control your credit score and other deciding factors.
Personal Finance 2020-05-13T21:51:01Z

Here's the average auto loan interest rate by credit score, loan term, and lender

Auto loan interest rates depend mainly on your credit score, but buying used and not shopping around could raise your cost to borrow.
Personal Finance 2020-05-12T15:49:47Z

Bank of America's auto loans have low starting interest rates and bonus discounts for current customers

Bank of America has relatively low auto loan interest rates when compared to the competition, and also offers several unique types of loans.
Personal Finance 2020-05-11T21:11:00Z

I helped my husband get a credit score of 800 using 5 simple strategies — and I'd recommend this approach to anyone

Building credit with a credit card and using Credit Sesame to monitor our scores were important tools for getting a credit score north of 800.
Personal Finance 2020-05-08T18:13:00Z

Credit card relief can be a valuable option if you're facing financial hardship —?and it won't harm your credit score as long as you and your lender are on the same page

As long as you contact your card issuer to come up with a forbearance agreement, pausing payments shouldn't affect your credit score.
Personal Finance 2020-05-06T18:01:01Z

Ally's mortgage refinancing service issues a quote in minutes and gives existing Ally customers $500 toward closing costs

Ally is a good option if you're interesting in refinancing or cash-out refinancing your mortgage. Its simple online interface makes refinancing easy.
Personal Finance 2020-05-05T19:33:30Z

A bad credit score is anything below 669, but there are ways to improve it

A credit score below 669 is considered a bad credit score with both the FICO and VantageScore scoring models.
Personal Finance 2020-05-04T21:38:00Z

5 things that affect your credit score —?plus 6 things that don't

Your payment history and outstanding balances are important factors for your credit score, while income and bank accounts have nothing to do with it.
Personal Finance 2020-05-04T14:15:00Z

Everything you need to know about managing your credit cards and protecting your credit score during the COVID-19 pandemic

Answers to your questions about credit card payments, credit card debt, and credit scores in light of COVID-19. Plus, the best cards to use now.
Personal Finance 2020-04-29T17:10:46Z

The best loans for people with bad credit

With a low credit score, borrowing costs more. Here are the best lenders for anyone with bad credit in 2020, for car loans, personal loans, and more.
Personal Finance 2020-04-28T19:24:23Z

A digital bank founded by a PayPal alum launched 'Assist' to offer 3 months of interest-free credit to customers who have lost work or been hospitalized

Digital bank One has launched its Assist feature, a line of credit that's interest-free for three months and is available to people who bank with One.
Personal Finance 2020-04-28T13:27:00Z

6 strategies to use if you can't get approved for a credit card

If you can't get approved for a credit card, you may want to turn to a secured card to build credit, or get added as an authorized user.
Personal Finance 2020-04-27T17:04:00Z

Your credit card can lower your limit without warning. Here's how to keep your credit score from taking a hit.

Lower credit limits can increase your credit utilization, which impacts your credit score. Ask the issuer if you can get your credit line restored.
Personal Finance 2020-04-24T20:57:43Z

If you lost your job and are struggling to make ends meet, it could be worth adding a note to your credit report

A consumer statement on your credit report explaining your situation could make lenders more understanding if you need to apply for new credit.
Personal Finance 2020-04-23T22:46:45Z

Fintech company Kabbage is offering eligible small businesses Paycheck Protection Program loans up to $2 million

Kabbage has shifted its focus to Paycheck Protection Program (PPP) loans to help small businesses struggling amid the coronavirus outbreak.
Personal Finance 2020-04-22T21:32:00Z

Losing your job doesn't mean your credit score will automatically drop, but it can impact your credit if you aren't able to pay the bills

Becoming unemployed won't necessarily affect your credit score — it depends on whether you're able to pay the bills or if you need to carry a balance.
Personal Finance 2020-04-21T17:44:05Z

The 3 major credit bureaus will now let Americans check their credit report for free every week for the next year

Experian, Equifax, and Transunion will allow Americans access to their credit report once per week for a year, increasing from three times per year.
Personal Finance 2020-04-17T14:27:04Z

4 questions to ask yourself if you're thinking about closing your credit card with an annual fee

An intro bonus of thousands of points can make it easy to justify the annual fee in the first year, but after that you'll want to weigh other factors.
Personal Finance 2020-04-16T19:54:17Z

How to keep your credit score up when the economy feels uncertain

If you're worried your credit score could suffer right now, start making arrangements with lenders and checking your credit report.
Personal Finance 2020-04-14T20:48:00Z

25 private student loan lenders that may help you with payments during the COVID-19 outbreak

Your federal student loan payments have been paused, but what about your private loans? Your private student loan lender may offer assistance, too.
Personal Finance 2020-04-14T19:40:19Z

3 ways to borrow money if you can't get a loan

If you need cash to make ends meet, consider using a credit card, a payday alternative loan from a credit union, or a loan from family or friends.
Personal Finance 2020-04-10T13:30:00Z

Many Americans plan to use their stimulus checks for bills and daily expenses — but they don't think it will be enough

Many Americans expecting stimulus checks plan to spend the money on typical household expenses and bills, find surveys.
Personal Finance 2020-04-06T17:07:02Z

If you have a mortgage with Chase, you may qualify for a 90-day deferment during the COVID-19 pandemic

Do you have a mortgage through Chase? You may qualify for a 90-day mortgage deferment if you've been financially impacted by the coronavirus.
Personal Finance 2020-04-06T14:29:00Z

5 ways to borrow money, from least to most expensive

To borrow money cheaply, borrow against your assets like your investment portfolio or home. If those aren't options, a personal loan could work.
Personal Finance 2020-03-23T21:36:00Z

2 signs you should upgrade your student credit card —?and 2 signs you're not ready

If you're looking to upgrade your wallet after graduating, ask yourself these questions to decide whether it's time to apply for a non-student card.
Personal Finance 2020-03-23T16:43:00Z

Having 'average' credit limits what cards you can get approved for, but that doesn't mean you can earn rewards and cash back

If you have a credit score in the 580 to 669 range, these are some of the best credit cards you can get.
Personal Finance 2020-03-16T14:32:00Z

A drop in your card's credit limit is bad news for your credit score —?here are 8 reasons it could happen, and what you can do to fix it

Credit card issuers can lower your credit limit for reasons such as no account activity, errors in your credit report, and late or missed payments.
Personal Finance 2020-03-13T13:12:00Z

5 ways opening a credit card and using it responsibly can boost your credit score

Demonstrating that you can use credit cards responsibly can have a lasting effect on your credit score thanks to factors like payment history.
Personal Finance 2020-03-12T14:07:00Z

I'm still in college and I already have a credit score of 778. Here are 5 strategies I'd recommend to anyone looking to build credit.

You don't need a full-time job, or even a credit card in your own name, to start working on building your credit score.
Personal Finance 2020-03-05T13:58:27Z

How to get a car loan with bad credit

Getting a car loan with bad credit is possible, but saving a bigger down payment or finding a co-signer could make it more affordable.
Personal Finance 2020-03-03T17:06:00Z

5 things that get cheaper when the Fed cuts interest rates

Borrowers may see interest rates down on credit cards, variable rate student loans, auto loans, small business loans, and home equity lines of credit.
Personal Finance 2020-03-02T17:53:27Z

How to remove a hard inquiry from your credit report

A hard inquiry won't ruin your credit, but if there's a fraudulent inquiry on your credit report you'll want to get it removed ASAP.
Personal Finance 2020-02-28T17:26:21Z

What is a good interest rate for a car loan? The answer depends on your credit score

Car loan interest rates vary widely, and your credit score is the biggest factor. It could change your interest rate by 10% or more.
Personal Finance 2020-02-20T16:34:59Z

What is a personal loan? It's flexible financing you can use for anything from consolidating debt to starting a business

A personal loan is money that you receive from a bank, credit union, or online lender and pay back with interest over time.
Personal Finance 2020-02-19T23:05:04Z

How to get a car loan in 9 steps

To get a car loan, check your credit score, gather pre-approvals, compare offers, choose the lowest interest rate. Then, accept a loan offer and buy.
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