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    Consumerist
    • credit

      Denied A Credit Card? Try A Reconsideration Letter

      Frugal Travel Guy has a story of how he was able to get a credit card for his son after the company first denied him. The magic bullet was a well-crafted "reconsideration letter." What's that? More »

      4:04 PM on Mon Nov 9 2009
      By Ben Popken
      7,314 views, 33 comments

    • credit

      Taking Credit Card Offers Hurts Your Credit

      Last week, I wrote about how to turn your good credit into cash. I purposely excluded credit card offers from the list because I wanted things that, should you implement them, wouldn't hurt your credit. Today, I want to warn to the overzealous. More »

      12:02 PM on Sat Nov 7 2009
      By Bargaineering.com
      9,141 views, 38 comments

      Most discussed Eldritch: Sorry, I don't think the economy is recovering and I wish people would stop saying it. With unemployment up 10% more »

    • credit

      How to Cash in on Your Good Credit

      Now that we know all the unexpected places our credit score is being used, is there anyway to turn this to our advantage? How do you cash in on your good name? More »

      12:00 PM on Sat Oct 31 2009
      By Bargaineering.com
      20,783 views, 31 comments

    • credit

      Legal Uses of Your Credit Report

      Once upon a time, credit reports were used only for credit. Now, companies use it for a lot of decisions. Find out what is legal and what is not. More »

      12:24 PM on Sat Oct 17 2009
      By Bargaineering.com
      11,576 views, 87 comments

    • credit

      Where to Get Credit Report & Credit Scores

      Don't buy a credit score from anyone other than the credit bureaus or Fair Isaac, makers of the FICO score equation, and don't buy a credit report from anyone, you can get your credit report for free by law. More »

      12:08 PM on Sat Oct 10 2009
      By Bargaineering.com
      6,072 views, 47 comments

    • annual fees

      Help! My Credit Card Is Adding An Annual Fee!

      Michael is in a situation that we anticipate will become very, very common in the coming months. His credit card company has imposed a $99 annual fee. He can accept the fee, or close his account. Not only is this his only credit card, but it's the oldest credit line he has, so closing it would hurt his credit score. What would you do? More »

      5:26 PM on Fri Oct 9 2009
      By Laura Northrup
      10,810 views, 94 comments

      Most discussed kaceetheconsumer: I would totally cancel it and not use their services again, and make sure to call them in person to more »

    • hidden fees

      Prepaid Debit Cards Are Money Sucking Black Holes In Your Pocket

      Be very careful about activating any sort of over-the-counter prepaid debit card, reports the New York Times. They looked at a handful of prepaids currently on the market and discovered ridiculously high hidden fees—the first two months of use can cost you up to $80. More »

      2:30 PM on Thu Oct 8 2009
      By Chris Walters
      5,599 views, 26 comments

      Most discussed Oranges w/ Cheese has...: Figures as much, and then if you DON'T use them, the "inactivity fees" will eat through your balance as well. BTW: more »

    • time warp

      You Paid Your Bill 3 Hours Early? Then It's 30 Days Late

      John's fiancee bought an Apple computer earlier this year, financing it with a Juniper Visa account, then paying the account off early. That's the responsible thing to do, right? Not according to Juniper, which branded her as a filthy, filthy deadbeat. The bank marked the payment she sent in as "late" for arriving three hours before the end of the billing cycle. More »

      10:48 AM on Fri Oct 2 2009
      By Laura Northrup
      13,900 views, 79 comments

      Most discussed joeblevins: Really, only one transaction killing your credit rating? That doesn't seem right. I imagine that is just the latest in more »

    • credit

      FICO and FAKO Credit Scores

      Have you ever heard the term FAKO score? What about FICO score? Seasoned Consumerist readers will know the difference but if you're new to the whirlwind credit industry, you may not. More »

      12:15 PM on Sat Sep 26 2009
      By Bargaineering.com
      11,301 views, 29 comments

    • interest rates

      Fed Keeps Interest Rates At .25%

      Interest rates will stay at at a low low .25%, the Fed announced today. For you this means... More »

      12:00 PM on Thu Sep 24 2009
      By Ben Popken
      7,887 views, 83 comments

    • money

      Credit Card Traps

      As if a global meltdown, precipitous drop in investment value, and widespread unemployment isn't bad enough, now the economic recession is now making credit cards a bad thing. Will the travesty never end? More »

      9:00 AM on Thu Sep 24 2009
      By FMF
      5,938 views, 35 comments

    • credit limits

      Does Living In California Make You A Higher Credit Risk?

      Paul Smith, who lives in San Diego and has a credit score of 751, had his HSBC credit card limit lowered from $7,000 to $1,400 recently for mysterious reasons. He called HSBC to find out why. More »

      10:10 AM on Mon Sep 21 2009
      By Chris Walters
      5,729 views, 31 comments

    • spy on yourself

      Seven Free Sites To Track Your Personal Information

      The Consumer Reports Money Adviser has compiled a great list of sites that store your personal information and will provide free copies of their reports to you if you ask. More »

      4:27 PM on Mon Sep 14 2009
      By Alex Chasick
      18,478 views, 28 comments

    • advertising

      A Guide To The Bull#$@% They Say In Car Commercials

      The folks at Bankrate and Yahoo! Finance have put together a guide that translates the silly things that are often said in car commercials. More »

      12:11 PM on Mon Aug 31 2009
      By Meg Marco
      13,099 views, 64 comments

    • personal finance

      Michael Jackson Had Bad Credit

      It was apparently the least of his problems, but the late King of Pop had less than stellar credit, says TMZ. More »

      3:30 PM on Fri Aug 28 2009
      By Meg Marco
      11,991 views, 75 comments

    • the great spending debate

      How To Decide Whether To Use Debit Or Credit

      Mankind is plagued by several quandaries: Paper or plastic? Ketchup or mustard? Betty or Veronica? More »
    • credit

      36 Risk Factors Creditors Use To Deny You Credit

      Lenders can use the data from your credit report to deny you credit for any one of several reasons. If you are denied, you receive a letter identifying the credit reporting agency that provided the report, along with a risk factor reason code. Bargaineering published a list of the common risk factor codes that lenders use to deem you unworthy of credit. For all three reporting agencies, the cardinal sins are owing too much and failing to pay your bills. The list of codes, inside. More »

      8:00 PM on Mon Aug 10 2009
      By Carey Alexander
      38,242 views, 85 comments

      Most discussed Telekinesis123: Why don't they just damn well say it plainly? these credit bureaus made their fortune off our very personal more »

    • discrimination

      Hiring Consultant Warns: "No Connection Between Credit History And Job Performance"

      Almost half of all employers use credit reports to judge job applicants, even though credit histories have no relation to job performance. Personal finance goofs are only relevant for jobs that deal directly with money—cashiers, account managers, and the like. For everyone else, negative credit reports keep otherwise capable people from securing a job to help avoid further financial problems. So why do so many companies still ask for credit reports? More »

      10:00 AM on Sat Aug 8 2009
      By Carey Alexander
      9,008 views, 90 comments

      Most discussed Skin Art Squared: This needs to end, and soon. I'm not sure when the entire world decided it was a good idea to more »

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    • 1-18 of 302 for "Credit"

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    Sun Nov 22
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