1. What credit card practices changed as a result of the 2009 credit card law (CARD Act)? Updated: February 08, 2012
2. What is a "universal default policy," and how can it affect me? Updated: February 08, 2012
3. Why are so many credit card users today being charged late fees, and what can we do about it? Updated: February 08, 2012
4. If I do not use my credit card, do I need to pay a fee? Updated: February 03, 2012
5. Can my credit card company increase the fixed rate on my MasterCard? Updated: February 03, 2012
6. Should a teenager get a credit card? Updated: February 03, 2012
7. Can a financial institution run a credit report on a two year old without the permission of the child's parent? Updated: February 03, 2012
8. For how long can someone can take out a loan to borrow money to buy a car? Updated: February 02, 2012
9. What is the best strategy for financing a new car? Updated: February 02, 2012
10. A collection firm told me I'm going to be sued for a credit card debt from three years ago. I have no job and live in a paid-off R.V. Updated: January 11, 2012
11. Is there a law that states a third-party collection agency cannot pursue a legal claim because they did not sign the original loan paperwork? Updated: January 08, 2012
12. What is a credit utilization ratio in a person's credit score? Updated: May 31, 2011
13. What can creditors do to you if they take you to court and a judgment is entered against you? Updated: May 31, 2011
14. I have two items on my credit report for unpaid utility bills. I am preparing to offer a settlement payment for each account. Can I request the collection agency remove the items from my credit report as a condition of my settlement? Updated: May 26, 2011
15. Do charities pay a credit card fee when people charge a donation? Updated: May 23, 2011
16. Will my credit score drop if I move? Updated: May 23, 2011
17. How long do fraud alerts that are placed in your credit report remain in effect? Updated: May 23, 2011
18. What are the pros and cons of being an authorized user on someone's credit card? Updated: April 07, 2011
19. What can happen if you fall behind on student loan payments? Updated: April 06, 2011
20. Can I return furniture and appliances that I am financing and cannot afford to pay for? Updated: April 06, 2011
21. Can a penalty APR (annual percentage rate) be charged after just one late credit card payment? Updated: April 06, 2011
22. If you opt in to pay an over-the-limit fee on a credit card, can a merchant still cancel a purchase? Updated: April 05, 2011
23. I have a perfect payment history and have had a secured credit card for almost three years, but my bank will not convert it. I want to purchase a condo and am worried that the lender will balk at a secured card. What should I do? Updated: February 03, 2011
24. If I pay more than the minimum to pay off my balance, will I be paying more toward the balance and less toward the interest? Updated: February 03, 2011
25. I am 70 and still working. I had four stitches and submitted my health insurance. The hospital didn't file a claim until it was too late to collect. Now, the $52 charge is $1,780 and was turned over to a collection agency, which is threatening to garnish my paycheck. Can they do that? Updated: February 03, 2011
26. Do collection agencies set up payments with interest rates and terms to collect outstanding debts? Updated: February 03, 2011
27. If a collection agency calls you, is it safe to give them the last four digits of your Social Security number? Updated: February 03, 2011
28. I applied for a loan six months ago. I was denied because I filed bankruptcy six years ago and have high balances on my credit cards. My father who has a credit score of 789 has agreed to co-sign. I am in Texas, and he is in Puerto Rico. What are my chances of getting approved? Updated: February 03, 2011
29. When are some good times in life to order a credit report? Updated: February 03, 2011
30. Where can I get an unsecured personal installment loan during a Chapter 13 bankruptcy? Updated: December 22, 2010

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