Credit & Debt Management Archives - Page 9 of 23 - Black Enterprise

Money > Credit & Debt Management

credit2

Personal Finance Word of the Day: Credit Utilization Ratio

Your daily money bite.

Word of the day: Credit utilization ratio
Creditors use a calculation called a credit utilization ratio,…

By Sheiresa Ngo

Posted: Tags: , , ,
creditscore

A New FICO Scoring Model is Coming Your Way

The credit-scoring leader announces updates

FICO announced recently that the newest credit scoring model is coming soon. Known as FICO…

By Sheiresa Ngo

Posted: Tags: , , ,
CreditCards3

The Anatomy of a Credit Card Payment [Infographic]

A step-by-step guide

Have you ever wondered exactly what happens when you swipe your credit card? Well, a…

By Sheiresa Ngo

Posted: Tags: , ,
2. Reduce debt

Consumer Reports has found that in late 2011, 14 million Americans were still paying off their holiday bills from 2010. If you haven't been able to get out of credit card debt on your own, try boosting your financial fitness by joining a free financial boot camp offered online like MyMoneyCircles.com. This practical, step-by-step program, which I help lead with a team of experts, will help you reduce debt, figure out how to save money and reach a host of financial goals, including all of the financial New Year’s resolutions on this list.

Personal Finance Word of the Day: Amortization

Your daily money bite

Have you ever done this?

By Sheiresa Ngo

Posted: Tags: , ,
ValerieMorris-300x225

Looking for a Valentine’s Day Gift? Try Your Credit Report

Nothing says 'I love you' like financial planning together

According to Morris, couples are often reluctant to discuss money matters and that finances are…

By Alan Hughes

Posted:
aaron-w-smith

Black Enterprise’s Financial All-Stars: Aaron W. Smith Talks Raising Capital

Advice from Black Enterprise's top experts

What are the best ways to raise capital?

By Sheiresa Ngo

Posted: Tags: , ,
Credit Cards

US Lagging Behind Globally in Improving Credit Card Security

Merchants prepare for cards with embedded chips that make it harder for thieves to steal personal information

Small business owners may want to prepare for and embrace the change

By Carolyn M. Brown

Posted: Tags: , , , , , ,
ATM Keypad

ATM Fraud Explosion Might be Looming

Experts say fraudsters could be set to target ATMs

Skilled criminals are able to attach a skimmer to an ATM in less than a…

By Sheiresa Ngo

Posted: Tags: , ,
Credit Cards

The Lowdown on Investment Rewards Credit Cards

Weigh the pros and cons before making a decision

Investment rewards credit cards are touted as a savings tool

By Sheryl Nance-Nash

Posted: Tags: ,
DebtCollection

FTC Warns: “Beware of Fake Debt Collectors”

Don’t get bullied into paying for a debt you might not owe

If you receive a call about a debt you don’t recognize, take action

By Sheiresa Ngo

Posted: Tags: , ,
(Image: Thinkstock)

Chances Are, You Won’t Be Able to Afford College

The high cost of a higher education might stop some from achieving their dreams

Student loan debt is surpassing $1 trillion in national debt as well as mortgage and…

By Roy Paul

Posted: Tags: , ,
man-counting-money-in-suit

TIAA-CREF Release Results of Financial Advice Survey

Survey shows some are fearful when it comes to managing money

A random group of 1,000 adults across the nation were asked about their attitudes, preferences…

By Sheiresa Ngo

Posted: Tags: , ,
debt2

Facing the Signs of Debt Addiction

If you are stuck in a never-ending cycle of indebtedness, regardless of changes in income, you may be in denial.

How much debt do you have?

By Alfred Edmond, Jr.

Posted: Tags: , , , , ,
Image: File

Options for Disabled Student Loan Borrowers

Tips for discharging student loan debt due to disability.

This past July, the U.S. Department of Education enforced new regulations that made it easier…

By Sheiresa Ngo

Posted: Tags: , , ,
shopping-620x480

Are You Trying to Maintain a Reality Show Lifestyle?

Are reality stars really paying for the lavish lifestyles they live on TV?

If you are trying to keep up with the reality show lifestyle, stop it.

By Jennifer Streaks

Posted: Tags:
Credit Cards

Beware of These Dirty Credit Card Tricks

Steer clear of these credit land mines.

Be on your guard when free credit offers come your way.

By Sheiresa Ngo

Posted: Tags: , , , ,
(Image: File)

Tips on How to Negotiate Your Credit Card Debt

Advice on how to successfully negotiate credit card debt.

If you’re struggling to pay down credit card debt, you can negotiate more favorable terms.…

By Sheiresa Ngo

Posted: Tags: , , ,
Sad-Black-man-gallery

#WealthforLife Wednesdays: The Real Cost of Payday Loans

Repeat borrowing often results in a cycle of debt

For a fast, dangerous payday loan, borrowers usually only need a checking account and proof…

By LaToya M. Smith

Posted: Tags: ,
Image: File

4 Tips for Managing Student Loan Debt

Start life after college on the right foot

The joy of graduating can turn into dread once student loan notices start pouring in.

By Candace Myers

Posted: Tags: , ,
Credit card usage is on the rise, new data says.

Credit Card Usage is Up. Here’s What to Do As a Consumer.

Don't turn to credit cards as a backup to your money issues

Smart ways to make credit cards a part of your financial picture.

By Jennifer Streaks

Posted: Tags:

How To

T-Shirt Business

How to Start a Profitable T-Shirt Business

T-shirts are contemporary wardrobe staples for men, women, and children today. Building an online T-shirt…

Read More »
(Image: Getty Images)

How to Invest in Cannabis Stocks

While some stocks in these sectors have been high fliers, even more have gone bust…

Read More »