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7 WAYS TO PREVENT HOLIDAY SHOPPING IDENTITY THEFT
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Here is why you may want to skip those department store credit card offers
3:10 PM
Alexis P. Jones, The Credit DIVA
Thanksgiving is such a great day to have in our culture where we celebrate family, traditions, food and just spending quality time with those we love and cherish
11:00 AM
Alexis P. Jones, The Credit DIVA
I hope you that this year with all it's challenges, you are able to appreciate life in it's simplicity today. Wishing you and yours Thanksgiving! #thanksgiving2016
Divorced in your 30s? How to choose the least destructive path
6:10 PM
Alexis P. Jones, The Credit DIVA
“That's when people's credit goes in the toilet, because if they split up, and all they have is debt, and someone can't even make the minimum payment, then I see them saying, 'I haven't made a payment on my credit card in three months. #childsupportandcreditscore
Differences between men, women credit scores - Shocking statistics
2:21 PM
Alexis P. Jones, The Credit DIVA
According to marketwatch.com, women (675) had a slightly higher average Experian credit score than men (670) in a 2015 survey. #womenandcreditscore
Rejected for a Credit Card? It May Not Be for the Reason You Think
11:30 AM
Alexis P. Jones, The Credit DIVA
Applying for a lot of credit cards in a short time - especially if you recently started building your credit - can lower your credit scores, which may lead to a rejection. Similarly, having a lot of credit cards with high balances could hurt your ... #Credit
Here's how you can save money by improving your credit score
5:30 PM
Alexis P. Jones, The Credit DIVA
Believe it or not, there is such a thing as "good" debt out there. Using credit to purchase appreciable, income-producing assets like property, stocks, bonds, mutual funds, art work, etc. #creditimprovement
Consumer Watch: Bankruptcy Decisions
1:50 PM
Alexis P. Jones, The Credit DIVA
Paying off your debts is the best way to get financially stable, but there is a point where a person can consider bankruptcy. “It can help people who could be sued by creditors for the amount of debt they owe,” says credit improvement professional ... #creditimprovement
How much your credit score affects your mortgage rate
3:40 PM
Alexis P. Jones, The Credit DIVA
But boosting your credit score, one of the main factors lenders look at when determining whether you qualify for a loan, can give you a much better chance of landing a low mortgage rate, housing experts say. #credit
These credit cards can help you snag Black Friday discounts early, without battling the crowds
12:10 PM
Alexis P. Jones, The Credit DIVA
Some credit cards offer price protection that reimburses customers the difference of an item that goes on sale within a couple months of purchase. #credit
Great Credit Is a Powerful Tool
2:31 PM
Alexis P. Jones, The Credit DIVA
... with the issuing bank, also helps build credit. Once you have a score, you can use a credit score simulator to see what actions might help and hurt it. ... Avoid closing accounts if you're trying to improve your credit. Once your scores are high ... #creditimprovementsimulator
Be Fraud Safe
11:10 AM
Alexis P. Jones, The Credit DIVA
Debit cards are used at point of sales (PoS) as well as at ATMs. Banks generally outsource the processing to one or multiple companies. #atmfraud
Mastercard using selfies to prove cardholder identity
4:20 PM
Alexis P. Jones, The Credit DIVA
And processing the confirmation of the cardholder's identity takes less time; there's no need to deal with a phone call with the credit card company in which the last five transactions need to be listed. "Passwords are obviously a ... An alert would be ... #creditfilefraudalert
5 Signs You're Ready to Quit Renting
11:10 AM
Alexis P. Jones, The Credit DIVA
You have established credit. Establishing a good credit score is beneficial in all situations, and a bad credit score may indicate that you're not ready to buy a home. #badcredittiming
Should you turn down free money from a bank?
6:00 PM
Alexis P. Jones, The Credit DIVA
If you qualify for an account promotion with a decent-size bonus, see whether the account has continuing low fees or earns good interest rates. If so, it may make sense to open an account and get the bonus. You'd get benefits today and in the months to ... #gettingalowinterestrate
What you need to know about taxes when your kids play sports
2:10 PM
Alexis P. Jones, The Credit DIVA
Here's an alternative to blowing out your credit card on gifts
2:20 PM
Alexis P. Jones, The Credit DIVA
If there's a big-ticket, must-have gift on your shopping list, put down the plastic and try this instead. Layaway, a program in which you put down a deposit on a costly item and make a series of installment payments toward it, is back for the holiday ... #Credit
Why I Didn't Follow My Own Credit Card Advice
11:40 AM
Alexis P. Jones, The Credit DIVA
I'm on the record as one who prefers cash-back credit cards over travel cards. Their simplicity and flexibility are perfect for my “lazy optimizer” ethos. #Credit
How to tell if you're spending too much on rent
3:10 PM
Alexis P. Jones, The Credit DIVA
Renting an apartment in New York City requires, on average, an annual gross income 40-50x the cost of rent. So if rent is $2,500 per month, you would need to earn $100,000 - $125,000 annually. If you plan to have roommates, this minimum income ... #badcreditapartmentrental
Consumer Credit Rose in September
12:30 PM
Alexis P. Jones, The Credit DIVA
WASHINGTON—U.S. consumers' credit balances increased in September, led by the category that includes student and auto loans. #Credit
3 Reasons to Apply for a Travel Credit Card in November
12:20 PM
Alexis P. Jones, The Credit DIVA
Travel credit cards offer a range of perks and rewards, but the sign-up bonus is always a favorite. Spend a certain amount of money within a specified period of time - generally between $1,000 and $5,000 in one to six months, depending on the card ... #creditcards
Wages cannot be garnished for credit card debt
7:10 PM
Alexis P. Jones, The Credit DIVA
Q. About two years ago, my wife and I ran into financial difficulty and made the choice to attempt to settle our credit card debt. Most creditors settled with us, but one credit card company wouldn't settle, so we quit paying altogether. If we are sued ... #creditcare
Here are options to keeping online passwords in your wallet or phone: Money Matters
2:10 PM
Alexis P. Jones, The Credit DIVA
My credit score has taken a major nose dive. I have tried to fix it and raise my score, but I'm getting to the point where I'm getting frustrated. #creditimprovement
FCA to investigate bank overdraft and loan fees
11:31 AM
Alexis P. Jones, The Credit DIVA
According to consumer body Which? the cost of borrowing £100 through an unauthorised overdraft for 28 days from some high street banks was as high as £90. This is up to four times higher than the maximum allowed charges of £22.40 on a payday loan. #highloanfees
How Do You Help a Family Member Who Is Bad With Money?
6:30 PM
Alexis P. Jones, The Credit DIVA
I've made the mistake in the past of being too eager to try to help friends and family who are bad with money. After they vented to me about their finances - about how they spent too much money or how they don't earn enough at their job - I'd try to ... #money
4 Personal Finance Tips for New Parents
5:50 PM
Alexis P. Jones, The Credit DIVA
Perhaps you had a budget before your baby arrived, and if so, that's certainly a good start. But now that there's a baby in the mix, those numbers are highly likely to change. From diapers to clothing to feeding supplies, caring for a new baby takes money. #newbabyandmoney
Money Management For The Coming Holidays
2:40 PM
Alexis P. Jones, The Credit DIVA
Many banks have Christmas Club accounts where you can park money that will earn a very small amount of interest. If you are a disciplined saver you can use this reverse saving process. It works like this: Each of the 52 Weeks you save dollars equal to ... #savingmoneyfortheholioays
What's the Difference between secured debt & unsecured debt?
1:50 PM
Alexis P. Jones, The Credit DIVA
How to use credit card rewards to help pay for the holidays
11:40 AM
Alexis P. Jones, The Credit DIVA
The holidays are the best of times and the worst of times. They're a great excuse to catch up with family and friends, take a break from work and remember what's truly important. They're not so great for either your wallet or your waistline. Using the ... #creditcardsthatwork
2 in 5 Americans with Student loans make this serious financial mistake
3:20 PM
Alexis P. Jones, The Credit DIVA
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