- Tuesday, 21 Jul 2009 5:13 PM ETBy: John UlzheimerIf we pay off the credit cards, how likely is it that the credit card companies will close our accounts? We don't want to be without any credit. So, what's the best way to pay off the debt without losing our credit? » Read more
- Monday, 13 Jul 2009 3:57 PM ETBy: John UlzheimerMy minimum payment on my one card went from $250 a month to $350 a month and is pushing the limits of my budget which is already in the negative or barely positive. » Read more
- Tuesday, 7 Jul 2009 9:31 AM ETBy: John UlzheimerOn June 30th Bloomberg ran an article called "FICO Scores Show Flaws as U.S. Banks Cut Credit Lines." The article sufficiently bashes the credit score giant and their core product by pointing out that consumer credit scores are lowered when credit card issuers lower credit limits. » Read more
- Wednesday, 1 Jul 2009 5:59 PM ETBy: John Ulzheimer
I'm trying to raise my credit score to purchase my first home. My credit score is 635. I was late a few times on a couple of loans. I've since paid them off. When I purchase my score the formula uses those old accounts that I've paid off to formulate my score. Is that fair or correct? » Read more - Friday, 26 Jun 2009 3:28 PM ETBy: John Ulzheimer
Q. I receive 6-10 calls per day from the debt relieve people asking me to contact them so they could either wipe out my credit card debt completely or a least reduce it by more than half. » Read more - Wednesday, 24 Jun 2009 2:24 PM ETBy: John Ulzheimer
Q. I am watching your show "On the Money" and the topic is: "How to raise your credit score." I have great credit: 788 on Experian. I am planning on buying my first home, hopefully by September. My only debt is $2,900 on Amex Blue. In order to raise my score a little higher -- should I pay the entire balance off? » Read more - Saturday, 20 Jun 2009 1:57 PM ETBy: John Ulzheimer
I opened a credit card account to help improve my credit a few years back. The limit on the card has not increased but the interest rate has since I received the card. The credit card account has a $65 annual fee, $300 limit and 29.99% interest rate. Is it worth it to keep the account open? » Read more - Thursday, 28 May 2009 3:39 PM ETBy: Ric Edelman
Don't shop around based on rate, Ric Edelman says. Compare services instead. » Read more - Wednesday, 27 May 2009 4:39 PM ET
It's best to be proactive and try to work out better terms if you cannot afford a loan, Carmen says. » Read more - Tuesday, 26 May 2009 2:23 PM ETBy: John Ulzheimer
John Ulzheimer offers sage advice to a couple looking to close the dozens of credit cards they've accumulated over the years. » Read more
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