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Fix Credit: Kansas Couple Inspires America to Have a Debt-Free New Year
How much debt are you carrying? Do you know? Do you want to know? Many Americans are going into Christmas this year already carrying debt on their credit cards. The ones who plan ahead will spend the...
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Fix Credit: “Hustle and Flow” Star Sued by American Express
At My Credit Specialist, we often comment that it seems like everyone is having problems with their credit nowadays, and we are met with skeptical looks and comments like, “Really? Some of us can...
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Fix Credit: American Household Debt Lowest Since 1983
With New Year’s Eve behind us, the 2012 holiday season is officially over. Usually this is the time of year when Americans are getting their credit card bill and instantly regretting not sticking to...
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Clean Credit: New Jersey Proposes Credit Card Surcharge Ban
Last month, businesses could start adding a surcharge of up to 4 percent on credit card purchases, and even before it went into effect, consumer and small business advocates were voicing their...
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Credit Tip: I Can’t Make My Payments-Now What?
Many Americans run into financial problems at various times in their lives. Job loss, medical emergency, or unexpected events can be a burden on your finances. This is common. Instead of ignoring bills...
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Clean Credit: Delinquencies Down, Payments Up on Retail Credit Cards
As more consumers are educating themselves on credit, a record number of credit card holders are making their payments on time and paying off more of their balance. According to Fitch Ratings, the...
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Fix Credit: Credit Card, Auto Delinquencies Hit New Lows
Credit card users have used their cards more conservatively in the past few years, cutting back on spending and focusing on living within their means. The American credit card holder hit a major...
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Auto and Student Loans Up, Credit Card Balances Down in March
March was a good month for Americans and their credit usage. Though borrowing was down to $8 billion, credit card debt was also down, and consumers were using their available credit in constructive...
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New Swipe Fee Laws Could Hurt Small Businesses, Consumers
Swipe fees have been a point of contention between banks and businesses, particularly small businesses, ever since they were introduced. Businesses hate them because the banks charge more to process...
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Interest Rates: Why Is My Credit Card APR So High?
Interest rates almost across the board are at rock-bottom rates. It is easier to get approved for auto loans, home equity loans, and most other lines of credit, even with some late payments or other...
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