Credit Center Archives

The $21 Billion Question: Consumer Debt In Freefall?
By: Brian O'Connell
Wall Street analysts sported some serious egg on their faces last when they predicted that consumer credit would be down by $4 billion for the month of July. Nice try, as the number actually dropped by a whopping $21.6 billion, according to the Federal Reserve, which regularly tracks consumer debt trends. Read more»
Comedian Rodney Dangerfield made a living out hanging himself – and his family – out to dry. He once said, “My uncle's dying wish was that he wanted me on his lap. He was in the electric chair when he said so.” Read more»
Oh, go ahead, use your credit card.But just a little.Everyone knows the addictive, self-destructive nature of credit cards. Millions of people get into trouble spending with abandon, racking up big balances that carry huge interest costs and murderous penalties for minor infractions like slightly overdue payments. Read more»
Should you be paying your bills on a different time-cycle, say, once a day? That’s the idea behind micropayments; i.e. extra payments that can actually reduce your total credit card debt. Here’s how it all works. Read more»
Understanding Your Credit Score
By: Brian O'Connell
What do credit agencies look for in calculating your credit score – and how do they actually figure out your score? It’s an insider’s game, and the more you know how the insiders work, the better off you’ll be. Here are the criteria credit agencies use, and how to leverage that information to your benefit. Read more»
With credit tight, and consumers and businesses looking for some cash leverage, lending clubs – social networks that connect investors and borrowers – are becoming increasingly prominent. Here’s the straight skinny on peer-to-peer lenders, along with a blueprint on how to get a decent loan out of one. Read more»
Credit Rating Suit May Mean Unified Credit Scores
By: Brian O'Connell
Call it a tale of two credit scoring systems – in a credit market where the major credit scoring brand claims there can only be one. Read more»
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