Debt Management

There are many ways to keep debt down and your credit score up. In Credit & Debt Management, topics include credit reports, bankruptcy, how credit cards work and new technology.

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When it comes to credit, a little discipline and diligence go a long way. You could call each of the three credit bureaus and compare their reports side by side, or you can order a 3-in-1 credit report and save some time.

By Dave Roos

For something so relatively easy to obtain, credit can easily cause a careless borrower lots of stress. Here are 10 simple ways to build credit -- and keep it.

By Dave Roos

It's a piece of advice you've probably heard: Don't pull your credit report too often, or you'll hurt your score. But what's a soul to do when you're shopping around for the best interest rates on a new house or car? How often can you look at your re

By Jane McGrath

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It lurches forward, seemingly unstoppable by the arsenal of data you've collected against it. You battled this foe years ago, but like the undead, it's come for you again and again -- this time in the form of letter from a collection agency. It's name? Zombie debt.

By Sarah Siddons

Dealing with debt collectors is becoming a common experience. But what can you do to avoid debt-collector harassment, short of switching off your phone service or allowing your unread mail to pile up on the kitchen counter?

By John Larrabee

Your finances are in the red, and you don't know where to turn. Agencies specializing in non-profit debt consolidation promise to help you out but you wonder if it's a scam.

By John Barrymore

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Some people are so deep in debt they feel hopeless like there's not way out. But one agency helps people take control of their finances, wipe out debt and budget for a new home.

By Sarah Siddons

Sometimes, try as you might, the bills just don't get paid on time, and debt collectors come knocking. That's when you need to know your rights.

By John Barrymore

Credit counseling and debt settlement services are supposed to help you conquer debt. Who makes sure they look after you like they should?

By John Barrymore

Using a debit card is convenient but also comes with a certain amount of risk. What's the best way to protect yourself and keep an eye on your money?

By John Barrymore

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If you're trying to work your way out of debt, consumer credit counseling might be a good step to take. What happens during, and after, the counseling session?

By Sarah Siddons

Your personal debt may seem like an enormous burden, but these pictures will help put it into perspective and remind you that even entire nations struggle to maintain a balanced budget.

When you swipe your credit or debit card through a reader, you start a process that involves the store you're at, your bank and ultimately your financial well-being. How does that little stripe send so many messages?

Bankruptcy chapters can be really confusing -- there are specific chapters for both business and personal filing. What do they all mean?

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With all the media attention the subprime mortgage crisis is getting, you may be wondering how your own line of credit is faring. What common mistake might be wreaking havoc on your credit?

By Josh Clark

Many people wonder where they've gone wrong with their credit score. Was it charging a pack of gum with a credit card? A steep mortgage? Where does everyone else stand in terms of credit?

By Josh Clark

Life without debt sounds good. Can debt consolidation, or taking out one new loan to pay off all your other loans, help you reach that lofty financial goal?

By Jane McGrath

A low credit score can prevent you from getting the car, house or job of your dreams, but there's one surefire way to boost that three-digit number.

By Jane McGrath

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Do you pay just the minimum on your credit card balance each month? If your credit limit keeps getting raised, beware: You might be a revolver.

By Dave Roos

Credit reporting agencies collect your credit history from credit card companies, banks, mortgage companies and other creditors to create an in-depth credit report. But how is that report used?

By Dave Roos

The world is drowning in debt, and experts fill the airwaves with doomsday predictions. What exactly is this monster called debt that's sucking up all of our income, ruining our credit scores and making politicians sweat?

By Dave Roos

You saved up your money, got a home loan, got the keys and moved in. But now you've lost your job and you can't pay up. What happens to your house? Maybe foreclosure -- but there are ways to avoid it.

By Charles W. Bryant

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Interest-only loans let you afford a nice house and make low payments. But there's a catch -- once you have to pay up, circumstances may not be in your favor.

By Charles W. Bryant

These days, more people buy with credit than with cash, and most of them have the credit card debt to show for it. Learn all about credit cards, from the magnetic stripe to how you can get rid of that high-interest balance.