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Secured credit cards can help you start building or rebuilding your credit in a matter of months. Discover how they work here.

Your credit report and credit score are different, but closely related. Learn how one affects the other.

Understanding debt relief vs bankruptcy. Debt relief or bankruptcy can help you get out of debt. Which is better: bankruptcy or debt relief?

Errors on your credit report can make it harder to qualify for a loan. Learn how to detect and dispute errors on your credit report.

Learn how to prevent abrupt financial emergencies from turning into a long-term financial problem.

Paying down debt isn't easy, but it doesn't have to be hard either, particularly if…

There are many types of debt consolidation programs that can help improve your financial health, including balance transfer cards and debt settlement plans.

All debt relief takes time, but debt settlement generally gets your credit back on track faster than bankruptcy. Learn more here.

You can become debt-free by choosing a debt to start with and the repayment strategy that works for you. Check out our expert guide to learn more.

Credit card forbearance can offer temporary relief when you’re struggling. Find out more about how a forbearance program can get you back on your feet.

Building (or rebuilding) credit is easier than you think. Follow our guide, build a great credit score, and pay less for everything you finance.

Get an angry call from a debt collector? Learn how to use the Fair Debt Collection Practices Act to stop the harassment.

Our expert shares effective techniques for negotiating credit card debt and putting it behind you.

Americans are dealing with unemployment and the financial impact during the coronavirus outbreak. Find out…

Unpaid credit card debt may fall off your credit report in 7 years, but you may still have to pay it. Find out what your rights are.

Paying off credit cards can help your credit scores in the long run. However, there are some situations where credit cards can hurt your scores if you're not careful.

Sometimes it’s a good financial move to plunk down your own cash for a secured credit card (you’ll get your money back). Our expert explains.

When should you validate a debt? When a debt collector contacts you, respond within 30 days or they may assume the debt is legitimate. Learn how to validate a debt.

If you receive a summons for credit card debt, it’s in your best interest to respond and not ignore it. Learn more about what to do when you get a court summons.

If you need cash fast, an emergency loan is one solution and you can qualify even with bad credit. Learn about your options.

Even when they sue, credit card companies often settle for much less than what they’re owed so the right strategy can save you a lot of money.

Credit card debt can be overwhelming. Learn to crush it with these tips.

If an old debt threatens to claw its way out of the past to haunt you, you might not have to pay it. Our expert explains.

Should you pay down your credit card debt using a 401k loan? Discover the pros, the cons and the alternatives.

What are the pros and cons of using a personal loan to pay off credit card debt? Quicker payoff time and lower interest rates are great benefits, But if you are...

Getting rid of credit card debt without paying anything is very rare, but you might be able to repay less than the full amount. Our expert explains.

Find an emergency loan that can get you through a crisis and get you back on track to get your finances in order. Emergency loans can be available quickly and easily...

It's possible to settle debt even after a lawsuit has been filed. Answer the summons. Then negotiate. And never skip your court date.

Debt lawyers specialize in law concerning the collection of debt. If you loan money to someone, you may use a debt lawyer to file a lawsuit to collect it.

Find out the best ways to pay off your credit cards while improving your credit score.

Authorized users can use an account with the responsibility to pay. Read this to find out how it works.

Carrying credit card debt won't lead to jail time, even if you default. However, you could face other legal action if you fail to pay.

Worrying about your estate and planning for the future is important.

If you’re overwhelmed by creditor phone calls, collection letters, or lawsuits, filing for bankruptcy forces your creditors to suspend collection activity. You cannot legally...

A frozen bank account can be the result of numerous things, including suspected fraud, unpaid debts, or illegal activity. Learning that your bank account is frozen can be a little unnerving

Reading your credit card statements can help you manage your money. Your statement will tell you when your interest rate or terms will change. Key details include...

There are no federal credit card debt forgiveness programs for people with disabilities. Creditors can sue you for unpaid debt. Still, they may be unable to collect on the judgment.

Your credit score is updated every time a lender or creditor provides new data to the credit bureaus.Your credit score changes based on the most recent data and…

Learn how to refinance credit card debt and whether you should choose a balance transfer, debt consolidation loan or another method to…

Significant consequences can result from having a negative bank account, including fees. You can fix a negative account by transferring money from another account, avoiding transactions with the overdrawn account, and other strategies.

Credit scores are fluid. They can change over time and what you see on one site might not be reflected on another.

How Many Credit Cards Should You Have? Either too many or too few credit cards could cost you. Handling credit responsibly is more about how you use your cards than...

Did you check your credit and ask, “Why Did My Credit Score Drop”? Learn 10 reasons why your credit score can suddenly drop and…

When you need help with budgeting and debt, you may turn to consumer credit counseling. Credit counselors look at your financial situation and propose solutions...

When debt becomes overwhelming, there are different approaches you can take to manage it. Debt resolution is one option you might consider to avoid bankruptcy.

A well-written debt settlement letter is crucial to the debt negotiating process. You should outline the details of the debt-settlement offer and the terms...

While very rare, the lowest possible credit score is 300. However, any credit score under 500 is low and under 580 is sub-prime. A low credit score can…

Credit card debt help won’t work unless you stop overspending. Debt consolidation, debt management, and debt settlement are all solutions for credit card debt.

There are many forms of credit card debt relief. Learn how to find the right credit card debt relief for your situation.

You can't raise your credit score 100 points overnight; however, there are several steps you can take to improve...