Credit & Debt

Checking accounts in general don't have much of an impact on your credit score unless, that is, you engage in bad behavior. If your checking account is routinely overdrafted, for instance, th...

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Many patrons who pay with a credit card also prefer to add a tip to the balance for their waiter or waitress. Some restaurants are starting to pass along the credit card processing fee to the...

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When someone dies, it leaves many loose ends to tie up. One of those loose ends is a bank account, which can be difficult to close if the bank will only allow the person on the account to clo...

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If you live in one of the nine states with community-property laws and you bought a house after getting married, your spouse's creditor might be able to put a lien on your house even if your ...

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While typical car loans tend to last between three and five years, some lenders will allow for a six or seven year loan. When deciding which length of car loan is right for you, you'll also n...

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If you have ever experienced a bank overdraft, you know how stressful it can be. While spending more than you have in the account can cost you in fees and time spent worrying, it likely will ...

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Improving a credit score dramatically isn't impossible, and boosting it by 300 points in just one year might be a bit of a stretch. It's best to focus on doing everything you can to increase ...

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Anyone shopping for lower rates will quickly find that credit unions are often more competitive than banks. There are several reasons for this, including the fact that you often need to work ...

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Breaking your cellphone contract early will come at a cost, but it shouldn't hurt your credit rating as long as you pay all the fees you owe. If you don't have a cellphone at all, though, you...

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You can easily close your Capital One credit card account with a phone call or a few mouse clicks. However, closing an account does not cancel your debt, which you are still required to repay...

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Sending in your last mortgage payment is a time to rejoice, as your financial burden has now become a lot lighter. When it comes to your credit score, however, you won't see much of a change....

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If your wages are being garnished by a creditor, they can’t directly intercept your tax return. However, if you have the return directly deposited into your account, the creditors may seize...

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When you swipe a credit card, the terminal normally reads at least your account number, name and card expiration date from the magnetic stripe on the card. Chip cards use a different mechanis...

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Your adjusted gross income, also known as AGI, equals your gross income minus either a list of itemized deductions or a standard deduction. Knowing what does and does not qualify as an itemiz...

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There are several ways to add money to a Netspend account, though using a credit card is not one of them. You can receive direct deposits or transfers from PayPal or bank accounts, deposit ca...

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By using your credit card, you agree to be bound by the card's terms and conditions. You are also bound to pay the card back. Transactions that are still pending when you close your credit ca...

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Adding your spouse's name to your mortgage can often be a lengthy process. First, review your spouse's credit history to see if it will negatively impact your current mortgage interest rate. ...

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Credit cards may get a bad rap, but they actually have a few benefits, as well. Not only do they offer security if for some reason you should have an emergency expense, but they also help you...

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Many employment background checks include the information found in your credit report. Although the information contained in your credit file can hurt your chances of getting hired at some co...

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Forgivable loans have strings attached in order to persuade the borrowers to fulfill certain responsibilities. For example, soon-to-be teachers and doctors may not have to repay a loan if the...

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