Understanding Your Free Credit Report Written by: Andrew Bernstein Financial Literacy and Credit Reports While conducting Financial Literacy Awareness Seminars across South Florida, I often cover one important topic: how to get a free credit report. When I ask the audience, many people quickly respond with answers they have seen on TV ads. Unfortunately, most […]

I’ll admit right away — I miss college. I miss the friends, the freedom, and especially the parties. What I don’t miss is all that credit card debt that once accumulated! I’m smart enough to stay away from those “free” t-shirt deals now, but it took me a while to get a good game plan […]

Why Credit Card Companies Send Disclosure Letters Credit card companies regularly send disclosure letters to cardholders. These letters inform you about changes made to your cardholder agreement. Most disclosures begin by stating that certain terms of your agreement have changed. Usually, the company highlights key updates in a summary section. However, if the issuer already […]