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Debt-to-income ratio is a tool that lenders use to assess your debt, but it can also clue you into knowing when it’s time to get debt help. Learn how here.
It’s official. Consumers ended 2018 with a record $870 billion in credit card debt. If you have high balances to pay, Consolidated Credit has some advice.
A credit card company wants your business, so they’re usually willing to give you certain money-saving perks for sticking with them. Learn how you can turn customer loyalty into more credit card rewards, cut annual fees and lower interest rates.
If you go to an in-network ER, but you get treated by an out-of-network ER doctor, it can lead to major unexpected emergency room bills for you to cover.
Credit card companies set credit card limits based on your score, but your credit limit may also change for other reasons. Here’s what you need to know.
99% of borrowers that applied for Public Service Loan Forgiveness have had their loan forgiveness denied. We explain how to ensure your PSLF is approved.
If you have credit cards, the impact of missed payments can be massive. Here’s what you can expect for budget and credit if you miss a credit card payment.
A new trend in increased credit card delinquencies on store credit cards reveals two good reasons why you might want to think twice before opening a in-store credit card. Consolidated Credit explains how to decide if store credit cards are a bad idea for your finances.
For more than two decades, attractive rewards programs have been a big reason that many consumers turn to credit cards at checkout. But as banks scale back credit card rewards and increase debit card rewards, this trend may be changing.
20 million people haven’t changed their primary credit card in 10 years, but are old credit cards effective or is it time for an update? Learn what to do with old accounts to avoid credit damage.
A new report finds long term auto loans are getting longer and longer, leading to more time in debt and higher costs due to added interest charges. Do borrowers really benefit from that commitment?
A Texas teacher lost his dream job as a teacher after he defaulted, and Texas isn’t the only state that does this. We detail what states can revoke professional licenses for defaulted student loans.
Another interest rate hike by the Federal Reserve means that the cost of debt for consumers just got higher again. WalletHub has revised their map of cities with the most and least sustainable credit card balances. Can you still afford to pay off your debt in a cost-effective way or do you need debt relief?
If you thought lending money to family was a bad idea, consider that 36 million Americans admit they’ve run into trouble when they decided to loan credit cards to friends and family. Learn why it’s a bad idea and what you can do instead to help someone out.
If you took a trip to the emergency room after an accident, you might be surprised to learn you have a lien that gives the hospital a right to part of any claim you receive. It’s one way hospitals ensure they collect on your medical bills. We explain how to get out of medical debt collections.
One in ten Americans had a credit card declined last year, but embarrassment is really the least of your worries if it happens to you. Learn why cardholders experienced a declined credit card last year and what you can do to avoid it.
A new report finds that American consumers are breaking records with past due debt payments, while businesses are managing to keep up. If the economy is strong, then why are some many families facing collection accounts and credit damage?
As consumer debt levels continue to break records, driven by credit card debt, many households may turn to balance transfer credit cards to consolidate. However, new changes in credit cards offering 0 interest on balance transfers could make this type of consolidation less beneficial.
