Choosing the right credit card can be difficult, especially if you have poor credit (FICO scores of 629 or lower) or are new to credit cards entirely. Plenty of cards can help those with limited choices, but some options — including certain unsecured credit cards for bad credit — are more costly and potentially more perilous than others. These … Continued

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If you have multiple streams of debt, like high-interest credit cards, medical bills or personal loans, debt consolidation can combine them into one fixed monthly payment. Getting a debt consolidation loan or using a balance transfer credit card can make sense if it lowers your annual percentage rate. But refinancing debt has pros and cons … Continued

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Checking your credit reports can help you ensure that the information being used to calculate your credit scores is accurate and up to date. That’s valuable when you’re working on building credit. It’s also good to see what potential creditors see when they check your credit. Once you’ve used AnnualCreditReport.com to get your reports from the three … Continued

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