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Consumer Protection Rights

Consumer Protections at Risk of Being Rolled Back; How to Help

The new administration announced plans to roll back consumer protections via an Executive Order. Although the order is vague, it essentially gives the U.S. Department of the Treasury instructions to restructure and limit the Dodd-Frank Act, the law passed to increase consumer protections after the...

credit scores and credit report millennial

Improving Millennials’ Bad Credit Scores

Millennials have the worst credit scores of any existing generation. Even though they are the largest living generation – even surpassing Baby Boomers – they still have problems obtaining and using credit. Some of this is for good reason. For example, Millennials tend to pay more...

credit report

The Other Downsides of Bad Credit

Sure, we all know the negative impact of a poor credit or FICO score on your finances. Poor credit can result in higher interest rates and denial for credit cards, mortgages, and auto loans. But, today credit has become a much larger factor which not...

8 Simple Ways To Elevate Your Credit Score

8 Simple Ways To Elevate Your Credit Score Is your credit (FICO) score helping you or hurting you? Were you recently denied credit or a good interest rate because of it? There are a few things you can start doing right now to up your score...

CFPB’s Plan to Monitor Credit Bureaus

Credit bureaus collect all sorts of information about us from credit card companies. This information affects whether you can get a mortgage, a credit card, an apartment, and virtually every aspect of your financial life. ...

Rights Come Standard When Buying a New Car in Massachusetts

Buying a new car is the biggest decision a consumer will make, second to buying a home. The process of negotiating against a “seasoned veteran,” when you may consider yourself a “rookie” buyer, can be a very intimidating and trying experience. However, the fastest way...

Friend or Foe? Debt Collectors Get Social Too

Debt Collectors are using social networking sites to search for debtors by name and attempt to be their “friend”. Once your profile is accessible, an abundance of personal information can be exposed. ...

Real World Credit Advice for Young Adults

Check out this informative article written to a recent college graduate who has never owned a credit card. The author explains the value of owning a credit card and using it in a responsible manner.  He also explains the importance of credit scores and what...

Get more credit… by using less credit (ConsumerAffairs)

For a higher credit score, almost all financial gurus suggest keeping your credit balances low in relation to your lines of credit. As recently as last year some financial advisors believed a credit utilization ratio of 50 percent was acceptable, but that was...