From the category archives:

Credit

What Should I Do If My Identity Is Stolen? Identity Theft Checklist.

August 13, 2010
Identity Theft Checklist

One thing that none of us ever wants to deal with is having our identity stolen.  No matter how your identity gets stolen, it is one of the biggest invasions of your privacy to have someone besmirch your good name and trash your credit by making unauthorized purchases, getting fraudulent loans and doing whatever they [...]

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Can You Go To Jail If You Don’t Pay A Debt?

June 14, 2010
Debt Can Land You In Jail

Being in debt is never fun. You carry a weight on your shoulders, and are bound by the obligations that you must fulfill. It stinks, but at least there are some protections for people who aren’t able to pay, and rules that govern how debts can be collected. In the past, debtors were not given [...]

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How To Deal With Your Creditors. David Style!

April 5, 2010
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I remember like it was yesterday, my wife and I were deep in debt and creditors were calling us every day! Of course just like many “good people” that owed money and either didn’t have the means to pay or just plain didn’t want to pay…..I applied the strategy of not answering the phone! Disclosure- [...]

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New Credit Card Rules Take Effect: CARD Act Of 2009

February 23, 2010
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Credit Card Accountability, Responsibility and Disclosure Act (CARD) of 2009 On May 22nd, 2009 Barack Obama signed new legislation into law called the Credit Card Accountability, Responsibility and Disclosure Act of 2009 (Credit CARD Act).  The law was supposed to force credit card companies to become more transparent with their fees, interest rates and other [...]

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Consequences Of The Credit Card Reform Act – Watch Out!

December 31, 2009
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New credit card reform laws are going into effect in February of 2010 to provide more consumer protection.  The reform was put in place to deal with what were some abusive practices of interest rate hikes and fees. You may recall a post from Pete earlier this year in which he talked specifically about the [...]

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Credit Cards: Why I Love Them And Why I Hate Them

December 4, 2009
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Why I Love My Credit Card If you’re read my site for a while you may be a bit surprised to find out that I actually do use a credit card. I’m usually the one that’s first to tell people that they shouldn’t use credit, and that they should save up for things that they [...]

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Lawmakers Push For An Extension Of The $8000 First Time Homebuyers Tax Credit Into 2010 In Proposed Bill

October 23, 2009
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Since earlier this year we’ve been talking a lot about the $8000 first time homebuyer tax credit that was passed as a part of the 2009 Economic Stimulus Package. The credit has been available for first time homebuyers since January 1st, and will continue to be available until November 30th. Now that the program is [...]

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First Time Homebuyer Tax Credit May Be Extended To All Homebuyers And Increased to $15,000 Through New Bill

September 18, 2009
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The last few months have seen an increase in home sales to first time homebuyers, as well as a slight improvement in the real estate market as a whole.  A lot of people feel that this is largely due to the first time homebuyer tax credit that the Obama administration passed earlier this year. The [...]

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Five Things That Don’t Affect Your Credit Score

August 20, 2009
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This is a guest post from Jonathan over at MasterYourCard.com where he talks about money, credit cards (what else?) and lots of other finance related topics. Sign up for his RSS feed here. With a shaky economy and tightening credit terms, it can be easy to be paranoid about your credit score. If you’re planning [...]

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Examples of Questionable Business And Marketing Practices And How Not to Fall for Them

June 22, 2009

This is a guest post by Mr Credit Card from askmrcreditcard.com.  Mr Credit Card reviews credit cards , lots of them!  Today, he would like to share his thoughts on questionable business and marketing practices and how we fall for their hype. You can subscribe to his RSS feed here. First, I would like to [...]

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New Legislation Will Bring Changes To The Credit Card Industry

May 29, 2009
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If you’ve been reading this blog for any period of time, you probably know that I’m not a huge fan of credit cards.  As a Dave Ramsey fan and facilitator for his Financial Peace University class, you’d probably understand why.  In general I think that using debt and credit are just poor ways to get [...]

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Are In Store Credit Card Offers Becoming More Aggressive?

March 31, 2009

photo credit: qnr Over the weekend my wife and I did quite a bit of shopping.  I needed some clothing and a shop vac to clean up in our garage after a long winter.  My wife wanted to get some dishes.  We also needed to stop by the grocery store. While we were running around [...]

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Are You Emotionally Invested In Your Credit Card?

March 25, 2009

I was listening to the Dave Ramsey show on my way to work this morning, and Dave was talking to a caller on his show that had just taken the plunge, pledged to go no further into debt and then cut up his credit cards.   He was talking about how it had been extremely [...]

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Tip: The Credit Card Companies Are Not Your Friend, They Just Want Your Money

March 3, 2009

I’ve noticed lately that the credit card companies are using a new tactic (or at least new to me).  They’re doing things for cardholders that on the surface appear to be helpful in order to make you think that they’re on your side.  They’re you’re friend, and they’re here to help you! I’ve seen a [...]

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