Financial Cents: Posts About Credit

Can Debt Consolidation Hurt Your Credit?

Whether you take out a debt consolidation loan or opt for a debt management plan, making your payments on time will be key. 

Posted on: May 29, 2018


Pre-Employment Credit Checks: What are They and What’s On Them?

Employers can and do run pre-employment credit checks as a part of your application process, but they need your permission to do so.

Posted on: May 25, 2018


“How is Your Credit Score Doing?” by Your Mother

Are you taking care of your credit score? And remember, I'm your mother, so I can always tell when you're lying.

Posted on: May 23, 2018


How Does a Cash Advance on Your Credit Card Work?

You can get an advance on your credit card to take out cash—but the cost will be much higher than the cost of a standard credit card transaction.

Posted on: May 21, 2018


How to Finance a Phone with Bad Credit

Bad credit means everything costs more, even cell phones. So what are your options?

Posted on: May 17, 2018


Looking for a Credit Repair Company? Here are 4 Red Flags to Avoid Getting Scammed.

Do your research, don't pay anyone up front, and take lots of notes.

Posted on: May 17, 2018


For People with Bad Credit, China’s “Social Credit” Scores Sound Like an Actual Nightmare

Everything from volunteering in your community to running a stop sign—or criticizing the government on social media—affects these "social" scores.

Posted on: May 16, 2018


When You Get a Cash Advance, Do They Check Your Credit Score?

Neither credit card cash advances nor cash advance loans require a credit check. But that doesn't mean they can't affect your credit score.

Posted on: May 15, 2018


How Bad Credit Can Affect Your Utilities

Everybody knows that bad credit can affect your ability to borrow money. But did you also know that it could also force you to pay more for your basic utilities?

Posted on: May 15, 2018


Bad Credit Repair: When to Close a Credit Card and When to Keep It Open

Closing a credit card will negatively impact your score, but not for the reason you think.

Posted on: May 11, 2018