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I received the following email the other day. Here is the email below and my reply. What other stories / advice can you offer this reader. I asked her to check back here for more info from this great community! From: KS Subject: son’s credit report Message Body: Can you tell us where to start? […]

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Buyer Beware of Free Credit Score Offers

by Mike on April 12, 2010

While I was out of town last week, I saw a commercial for advertising Free Credit Score. The Consumerism Commentary recently reported that the Free Credit Score company (the one with the catchy jingles), no longer offers free credit scores….they cost $1. While the fact that you’ll be automatically enrolled in their credit monitoring programs […]


How NOT to Dispute a Credit Card Charge

by Mike on February 22, 2010

Every once in a while I like to flip the script. Sure, I could tell you how to dispute a credit card charge but I figured it would be more fun to tell you what NOT to do. This is based on a true story where I was the creditor. When I’m not writing about […]


What do you think of when you think of credit cards? Do you think of cash back rewards and redeemed airline miles or are you plagued with thoughts of insurmountable debt…or somewhere in between? Love them or hate them, credit cards are a part of the norm in America. reports an estimate of 640 […]


“I want to be clear: We do not excuse or condone folks who’ve acted irresponsibly.” – Barack Obama ADVANCE NOTICE OF INCREASE IN INTEREST RATE REQUIRED- In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a written notice of an increase in an annual percentage […]