About Credit / Debt Management
Credit / Debt Management

• How To Build a Good Credit History
  Unfortunately, a lot of us learn how to build good credit through trial and error. The problem with learning that way is that your credit has to suffer in...
• Credit/Debt New Year's Resolutions
  If you read this week's newsletter, you already know my New Year's debt resolution: to crack down on my student loans. I'm managing the debt pretty well, but I...
• When Will That Bad Entry Fall Off My Credit Report
  A negative credit report entry is simply undesirable. Even though your credit can improve despite negative entries, you don't necessarily want future creditors and lenders to know you were...
• Surprise Holiday Debt
  Gifts aren't the only thing that could break your holiday budget. While you're shuffling through shopping racks, holiday debt can sneak up on you from other places. Late travel arragements....
• Your Credit Card Company Might Owe You Money
  Did you travel out of the country between 1996 and 2006? If you did and used your credit or debit card in a currency conversion transaction, you may be...
• Regifting as a Holiday Debt Alternative
  I've heard of giving away unused gifts - and have actually given away some myself - but never knew there was a term for it (and a holiday, December 20th...
• Should I Pay a Charge-Off?
  The term "charge-off" sounds like the creditor is releasing you from the debt. Are you really off the hook from paying a bill after the creditor charges it off? Do...
• How To Repair Your Credit - Step By Step
  Wouldn't repairing your bad credit be a lot easier if you only knew where to start? Should you pay off delinquent accounts or just wait for them to fall...
• When Can Debt Collectors Call?
  I worked at a collection agency once. Yes, I was part of the dark side. The agency opened at 7am and calls starting going out soon after. ...
• How Many Credit Cards Do You Have?
  In your quest for better credit, you've likely questioned whether you have too many credit cards. The ideal number of credit cards is a difficult number of come up with...