credit

4 Things You Need to Know About the Federal Reserve

You probably know that the Fed "sets" interest rates. Find out what else the nation's central bank does for you — and your money.

11 Steps to Take When Bankruptcy Is Your Only Option

A bankruptcy can sting, but it just may be the lifeline your finances need.

How Credit Inquiries Affect Your Credit Score

Not all credit inquiries will affect your credit score. Here's what you need to know about those that do and those that don't.

6 Smart Auto Finance Options

Most of us can't afford to pay cash for a new or used car. Finding the right auto financing is easier than you think.

6 Things You Should Never Do When Applying for a Credit Card

Keep your credit reputation ship-shape and you'll qualify for more — and better — credit later. Here's how.

5 Times Credit Cards Are Smarter Than Cash

Stash your cash. If you stay on budget, credit cards really are a good bet for smart, simple, and safe spending.

Frayed Relationships, Damaged Credit, and Costly Additions — What a Multi-Generational Home Might Cost You

Multiple generations living under one roof is becoming more common. Keep the family peace by planning for some of the potential pitfalls.

The 6 Biggest Financial Decisions in Your 20s

Your 20s are exciting — but also the time to get your finances straight for the decades to follow. Make these smart money moves before it's too late.

6 Times to Use Credit Cards Instead of Cash

Frivolous use of credit cards is a good way to slip into debt, but if used wisely, plastic can boost your credit and help your finances. Here's how.

Denied a Mortgage? Here's How to Fix It Fast

Depending on why a mortgage is denied, disappointed homebuyers often still have a shot at homeownership. Find out how to go from no to yes.

4 Credit Report Mistakes That Could Be Costing You Big

You know you should be reviewing your credit report annually. When you do, these are the credit dangers to look for.

5 Ways Life Is Amazing With an 800 Credit Score

A credit score in the 700s is pretty good and the rewards are nice. But for those few who crack 800? The financial world is their oyster.

5 Times You Should Say Yes to New Credit Card Offers

Usually you're better off shredding all those credit card offers that come in the mail. Find out when to break out the letter opener instead.

The 5 Best Credit Cards With Annual Fees

Sometimes it makes sense to get a card with an annual fee, because the perks and rewards are worth it. Check out these best credit cards that make the cut.

Should You Use Peer-to-Peer Lending to Pay Down Credit Card Debt?

Depending on your debt situation, a peer-to-peer loan may be an affordable — and sensible — way to retire debt. Here's what you should consider.

9 Signs You're Suffering From Lifestyle Inflation

Keeping up with the Joneses is not the only sign of creeping lifestyle inflation. How many of these signs of profligacy do you recognize?

Wise Bread Reloaded: President Obama's Credit Card Declined at Pricey Restaurant (and How You Can Avoid the Same Fate)

Credit card fraudsters respect no one, not even the leader of the free world. Find out how to protect your identity in this week's look back.

13 Things You Don't Know About Your Credit Report — But Should

There's a lot more to a credit report than just the score. Find out what the bureaus know about you — and how you can improve your credit.

If You're Doing These 5 Things, Your Saving Efforts Are for Nothing

Saving is hard, but chances are, if you're doing any of this stuff with your money, you're not saving at all.

6 Warning Signs That You Need to Stop Using Your Credit Cards

Consumer credit is a wonderful convenience. It can also be a terrible burden. Learn to identify the signs of a burdensome credit relationship.