The Hidden Credit Scores That Could Sink Your Finances

It's not hard to get copies of your credit report: You can even get them free from the major credit-reporting agencies. But each one of us has more than one credit score, and the one you're given may be very different from the ones lenders and other businesses actually use.

Where Does Your Spouse's Credit Card Debt Go When They Die?

When a husband or wife dies, it's not just the emotional issues that can be overwhelming; the financial issues can be, too. Here are three important financial actions no widow or widower should delay taking -- and the answer to the pressing question in the headline above.

Dealing With Your Credit Report Just Got a Lot Easier

It has never been more important to have good credit, but it's no easy task to go against the ratings agencies when your credit report is wrong. Now though, you have an ally in your corner: The Consumer Financial Protection Bureau.

Consumer Bureau to Supervise Credit Reporting Agencies

Credit reporting agencies will soon be subject to federal oversight for the first time. The Consumer Financial Protection Bureau announced Monday that it will begin supervising the nation's biggest consumer reporting agencies this fall.

4 Ways for Young Adults to Get a Better Handle on Credit Scores

Americans are getting more educated about credit scores, and younger people are the most well-versed of all. But that doesn't mean there aren't some gaps in their knowledge. So what should you do to keep on top of your credit? Here are a few free tips.

Car Loans Are Now Americans' No. 1 Bill-Paying Priority

The recession and its hangover have turned our bill-paying habits upside down. Cash-strapped Americans are paying off their car loans before they pay credit card bills and make mortgage payments, a TransUnion study finds.

What Blue States Can Teach Red States About Credit

It's not just politics that defines the differences between Republican-leaning "red states" and Democrat-leaning "blue states" -- and some of those differences may surprise you. For example, when it comes to credit scores, blue states are where the smart money is.

CFPB Boosting Budget, Oversight Duties

The Consumer Financial Protection Bureau is pumping up its budget for 2013, in part because it will start regulating large debt collectors and credit reporting companies, two sectors of that have heretofore had little federal oversight.

Money Guru Suze Orman Pushes Her Brand of Plastic

Suze Orman is trying to succeed where the Kardashians failed. The host of the popular TV money show is offering a new prepaid card that works much the same way as a debit card. Her goal: Offer a credit card alternative that doesn't charge you an arm and a leg.

Credit Card Delinquency Rates Rising Again

Although credit card delinquency rates still hover near record lows, more consumers are starting to fall behind on their payments. The rate rose 0.71% in the third quarter, the first time it has moved up since 2009.

How to Dig Yourself Out of Credit Card Debt

U.S. credit card debt shrank 5% in the second quarter from a year ago, approaching 10-year lows. It's not just due to banks, which have written off uncollectible debts. Consumers have been taking control of their finances, tightening their belts and working second jobs to pay off their credit card bills.

Denied Credit? New Fed Rule May Interest You

Have you ever been turned down for a loan? Had your credit line slashed or interest rate bumped up? Well, starting Thursday, banks and other lenders will be required tell you a bit more about why. The FTC and the Fed are implementing a new rule requiring lenders to show consumers the credit score data they used to make their decision.

100 Words That Can Change Your Credit History

You should always know what's in your credit report -- especially if you're planning any major purchases or intend to apply for a new job in the near future. But creditors and credit agencies aren't the only ones who can contribute to your report. You can have your say, too.

Why More People Are Rejecting Their Credit Cards

In the past year, millions of Americans have significantly cut their use of credit cards in an effort to take control of their financial lives. But some people are taking an even more radical step -- going cold turkey on plastic and paying for everything with good old-fashioned cash and checks.

Free Annual Credit Report

Get a free credit report once a year from, a site sponsored by the three major credit reporting companies, Equifax,...

Credit Card Delinquencies Plunged in Third Quarter

Credit card delinquencies plunged in third quarter as consumers pay down debts and shun card debt. The ratio of bankcard borrowers 90 days of more delinquent on one or more their credit cards fell 24.6% year-on-year in the third quarter, according to TransUnion.

Mortgage Delinquencies Fall in the Third Quarter

A smaller percentage of mortgage holders were delinquent on their payments in the third quarter than in the second quarter, although the percentage of delinquencies remains up from the same period last year.

House or Food? Consumers Protect Their Credit Cards

Normally, it would be considered a positive sign that people are reducing their credit card debt load. But a series of statistical releases this week confirms an ominous new trend among desperate consumers: They have stopped paying their mortgages but are continuing to pay off their credit cards so they can continue to buy staples, like food.

Could You Be a Victim of Credit Score Backlash?

How important is your credit score? Important enough, but some industry analysts worry that consumers focus too much on credit ratings when they have other, larger financial issues to consider first.

Get your FICO score on your iPhone

You want to finance a car? Check your credit score. Want a mortgage? Check your credit score. Want your credit score? There's an app for that, turns...

Do the new credit card laws help you?

A new federal credit-card law takes effect today. The loftily-named Credit Card Accountability Responsibility and Disclosure Act of 2009 is designed...