How I'm Digging Out of $222K of Divorce Debt Without Filing for Bankruptcy

How I'm Digging Out of $222K of Divorce Debt Without Filing for Bankruptcy

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How I'm Digging Out of $222K of Divorce Debt Without Filing for Bankruptcy
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7 times when bankruptcy can make sense

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7 times when bankruptcy can make sense
Common scenarios when bankruptcy should be seriously considered
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5 reasons why a nearly perfect credit score's not enough

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5 reasons why a nearly perfect credit score's not enough
It is possible to have an excellent score even if you filed bankruptcy in the past. For example, you could have filed six years ago and have behaved perfectly ever since. However, some lenders might still have a rule that prohibits anyone with a …
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Worst-Case Scenario: What Does a Late Payment Do to My Credit Score?

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Worst-Case Scenario: What Does a Late Payment Do to My Credit Score?
You can go here to see what a worst-case scenario bankruptcy could do to your credit.) However, Paperno said, a consumer could see their score return to its pre-late-payment days in a few years. In a worst-case scenario, one late payment will lead to …
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Obamacare Seems to Be Reducing People's Medical Debt

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Obamacare Seems to Be Reducing People's Medical Debt
Even if you lack health insurance, you'll probably be able to get treatment at a hospital in the event of a catastrophe — you're struck by a car, say. But having insurance can mean the difference between financial security and financial ruin. A new …
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10 Things I Hate About Student Loans

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10 Things I Hate About Student Loans
Student loans are generally not dischargeable in bankruptcy. Most student loans do not go away with … But these loans often require parents to co-sign and tend to have higher interest rates, depending on your credit score. (You can view your credit …
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What happens if you lie on your credit card application

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What happens if you lie on your credit card application
And, of course, they take your credit score into account as well. The bank (I don't know … In another scenario, let's say you max out your credit cards, can't afford the payments, and want to file bankruptcy to have the debts discharged. If the bank …
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What You Need to Know About Settling a Credit Card Debt

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What You Need to Know About Settling a Credit Card Debt
(If this happens to you, read our guide on how to improve your credit score.) Viale said most creditors will offer a settlement for 50 to 70 cents on the dollar of what you owe. Even though you won't pay the full amount of your debt, you'll need to …
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Hawai'i Ranks 14th in Financially Savvy States

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Hawai'i Ranks 14th in Financially Savvy States
These metrics included annual savings account averages to personal bankruptcy rates and credit card debt as a percentage of income. Hawai'i was ranked among the states with the highest credit score at number four, after Minnesota, North Dakota, and …
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Worst-Case Scenario: What Does Bankruptcy Actually Do to My Credit Score?

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Worst-Case Scenario: What Does Bankruptcy Actually Do to My Credit Score?
It's the big, bad boogeyman of credit scores: bankruptcy. A formal declaration that you are incapable of paying off all your debts as agreed. And while taking such action could spare you from paying off all — or at least some — of the loans that put …
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Unexpected Ways To Hurt Your Credit Score

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Unexpected Ways To Hurt Your Credit Score
There's a good chance you know the big line items that can tank your credit score — bankruptcy, foreclosures. But there are some other ways you may not be aware of. The exact effects will vary depending on your full credit profile but experts say you …
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Could A New Credit Scoring System Affect Your Ability To Borrow?

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Could A New Credit Scoring System Affect Your Ability To Borrow?
Recently I wrote about how your bankruptcy score, a rating that predicts the likelihood that you'll become insolvent, could affect your ability to borrow. This rating, just like your credit score, is created by Equifax and TransUnion and is based on …
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How to boost your credit score

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How to boost your credit score
There are many ways to boost your credit score, but prioritizing which debts to pay down first can make a difference. … And because student debt is not dischargeable in bankruptcy, your wages could be garnished if you don't pay up. The fact that you …
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Applying for a Credit Card After Bankruptcy

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Applying for a Credit Card After Bankruptcy
If a card doesn't report to at least one of the three major credit bureaus, positive activity on your account — such as making payments on time and keeping your balance low — won't improve your credit score. The more bureaus a card reports to, the …
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31 ways you're ruining your credit

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31 ways you're ruining your credit
Choosing to avoid credit after a bankruptcy can backfire. “When you do nothing after a bankruptcy, the credit score stays low,” Kelly said. Instead, get a secured credit card — which will have a credit limit based on an amount you deposit with the …
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Under the hood of the credit-score process

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Under the hood of the credit-score process
If you're not sure, pick up a copy of "Your Credit Score: How to Fix, Improve and Protect the 3-Digit Number that Shapes Your Financial Future" (FT Press, $26.99), by personal-finance author Liz Weston, who writes the syndicated column "Money Talk." Be …
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The Color of Money: Boost your all-important credit score

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The Color of Money: Boost your all-important credit score
If you're not sure, pick up the Color of Money Book Club selection for this month, "Your Credit Score: How to Fix, Improve and Protect the 3-Digit Number that Shapes Your Financial Future" (FT Press, $26.99), by personal-finance author Liz Weston, who …
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For Older Borrowers, Being Thrifty Can Tarnish a Credit Score

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For Older Borrowers, Being Thrifty Can Tarnish a Credit Score
One factor that usually favors older people is credit score, which is based on “propensity to repay a debt, regardless of your income or assets,” said Rod Griffin, director of public education at Experian, one of the three large companies that report …
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Understanding your credit score and how to raise it

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Understanding your credit score and how to raise it
If you're not sure, pick up this month's Color of Money Book Club selection, “Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future,” by personal-finance author Liz Weston, who writes the syndicated column “Money Talk …
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In Detroit, people are urged to get a second mortgage when buying a house

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In Detroit, people are urged to get a second mortgage when buying a house
The city of Detroit, which filed for bankruptcy in 2013, has been desperate to revitalize neighborhoods and increase property-tax revenue. The latest problem, said Laurie Goodman, director of the Housing Finance Policy Center, a research group based in …
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Credit 360: Get your bad credit back in the green

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Credit 360: Get your bad credit back in the green
Buying a house or car may seem impossible if you have a bad credit score. Improving that credit score may seem intimidating, but there are ways to successfully turn bad credit around. Marco Salinas, President of Credit 360, has the insight and …
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I Have Ridiculously Bad Credit. Can I Get a Credit Card?

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I Have Ridiculously Bad Credit. Can I Get a Credit Card?
Most negative information stays on your credit report for seven years (bankruptcy may remain on your report for up to 10 years). And the sooner you start establishing and maintaining solid lines of credit, the sooner you can improve your credit score …
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Who You Might Vote For Based On Your Credit Score

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Who You Might Vote For Based On Your Credit Score
Ted Cruz supporters with a median score of 653. But similar to the the man they support, Trump fans have almost twice the bankruptcy rate as Cruz and Rubio supporters. Trump has filed four bankruptcies, all surrounding his casinos. Continue Reading Below.
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How Does Debt Management Work?

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How Does Debt Management Work?
If you're considering a debt management plan, you should also make an appointment with a bankruptcy attorney so you can understand all your options.” Because you repay your original debt, debt management has much less effect on your credit score than …
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Does the Graying of American Debt Mean Millennials Can't Get a Loan?

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Does the Graying of American Debt Mean Millennials Can't Get a Loan?
Millennials have stayed away from large segments of consumer lending, from the auto market to residential real estate. With the cost of college spiking beyond inflation and incomes, student loans seem all but unavoidable, pushing other consumer debt …
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24 things you need to know to build good credit

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24 things you need to know to build good credit
If you plan on making these purchases, taking out a loan, applying for a new credit card or doing anything that requires someone to review your credit score, you'll want to make sure that your score is as high as it can be. To do this, there are a …
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Brexit vote would affect UK's top credit score, says Standard & Poor's

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Brexit vote would affect UK's top credit score, says Standard & Poor's
The UK would lose its top credit score if the public voted to leave the EU in the 23 June referendum, ratings agency Standard & Poor's said in a fresh warning on Thursday. The only big credit ratings agency to award Britain the highest AAA ranking …
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