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Credit Karma Adds Free Equifax Credit Scores and Reports
Tue, 02/10/15 | 6 Comments
Credit Karma Adds Free Equifax Credit Scores and Reports

In case you missed the quiet rollout, Credit Karma has doubled their free credit score and credit report offerings by adding free Equifax credit scores and reports. Had it not been for the Anthem hack …

Credit Karma Now Offers Free Credit Report Access!
Mon, 08/18/14 | 4 Comments
Credit Karma Now Offers Free Credit Report Access!

Longtime readers will know that I have been using Credit Karma to monitor my credit score for a while now. The free consumer credit information service (best way I can think of to describe it) built …

A Way to Look at Credit Card Debt that Should Scare you In to Beating it
Mon, 03/10/14 | 8 Comments
A Way to Look at Credit Card Debt that Should Scare you In to Beating it

The average credit card APR these days is ~15.4% (with many north of 20%).
Actually, with monthly compounding balances, the effective APR is almost 1 percentage point higher. So let’s say 16%.
What this means, in simple …

How Does your Credit & Credit Score Compare to the Averages? And How to Improve your Standing
Wed, 12/4/13 | 16 Comments
How Does your Credit & Credit Score Compare to the Averages? And How to Improve your Standing

A week after my ‘Gen X and Gen Y state of retirement‘ post, one of the major credit bureaus (Experian) launched an infographic on the ‘state of credit‘ of each generation.
Your credit worthiness and credit …

Secured Debt vs. Unsecured Debt: Which you Should Pay Off First?
Mon, 02/11/13 | 16 Comments
Secured Debt vs. Unsecured Debt: Which you Should Pay Off First?

As you begin your own personal adventures in credit and debt land, you’ll notice an interesting phenomenon: borrowing rates vary quite dramatically from one type of loan to another.
Credit cards, for example, can have interest …

Home Equity Loan (HEL) Vs. Home Equity Line of Credit (HELOC): which is Better?
Tue, 09/11/12 | 4 Comments
Home Equity Loan (HEL) Vs. Home Equity Line of Credit (HELOC): which is Better?

I’m not a big fan of debt.
But there are times in your life when it makes sense to pay off (or avoid) high-interest debt with low-interest debt. For example, using a 0% APR credit card …


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