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Articles in Credit

Secured Debt vs. Unsecured Debt
Mon, 02/11/13 | 17 Comments
Secured Debt vs. Unsecured Debt

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 …

What is Prime Rate? & How Does it Impact me?
Mon, 08/20/12 | 2 Comments
What is Prime Rate? & How Does it Impact me?

If you’ve ever taken out a short-term loan, adjustable mortgage, private student loans, or owed money on a credit card, you’ve been impacted by the “prime rate”.
If you don’t know what the prime rate is, …

Does Opening or Cancelling a Credit Card Impact your Credit Score? & How Much?
Mon, 07/9/12 | 10 Comments
Does Opening or Cancelling a Credit Card Impact your Credit Score? & How Much?

One of the biggest… I won’t say “myths”, but rather “over-exaggerated” credit score claims, is the impact of cancelling a card on your credit score. The same goes for the impact of opening a new …

How to Get 3 Free Credit Reports Per Year
Tue, 01/17/12 | 4 Comments
How to Get 3 Free Credit Reports Per Year

Free Credit Report Basics
Keeping up with your credit reports is essential for anyone who is serious about their financial well-being. They may be the only way for you to detect if your identity has been …

Credit Karma has Free Credit Monitoring
Mon, 01/9/12 | 8 Comments
Credit Karma has Free Credit Monitoring

As a Credit Karma user, I recently received an email announcing that they have begun offering daily free credit monitoring in addition to free credit scores!
What is Credit Monitoring?
Credit monitoring is a service that automatically …


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