by Andrea Hermitt I did an interview this morning on Living without credit cards. It was on The Take Away, an early morning National Radio Show. Myself, a man in Los Angeles, and a financial expert Beth Kobliner were interviewed on life without credit cards and how we cope with them. During the radio interview […]

Pat yourself on the back. Government data show that in the face of the financial crisis, we have reduced our debt, cut our spending and, by one measure, boosted personal savings to the highest level this decade. So now that you’re back on track, how are you going to make the most of your hard-won […]

Your ability to get future credit is based on your past and current experience. • Do you pay your bills on time? On time payments represent 35% of your credit score, the largest single factor considered by the credit bureaus. The ability and willingness to pay on time tells any future creditor that you are […]