Tag Archives: credit management

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Woman Shares How She Dug Out of $50,000 Worth of Debt

Tips for getting back on the right financial track

A few weeks ago we shared with you how David Bakke, a financial contributor for…

By Sheiresa Ngo

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Study: One in Five Can’t Live without Credit Cards

Are you lost without credit?

Don’t start an unhealthy love affair with your plastic.

By Sheiresa Ngo

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Credit Cards

Tip of the Month: Managing Credit Card Debt

Your daily money bite

Black Enterprise Money editor Sheiresa Ngo shares her tip of month on managing credit card…

By Sheiresa Ngo

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Should your business charge credit card surcharges

5 Good Reasons to Axe a Credit Card Account

Sometimes it's alright to go against the grain

Most credit experts say it’s not a good idea to close a credit account, but…

By Leslie E. Royal

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Credit Cards

The Lowdown on Investment Rewards Credit Cards

Weigh the pros and cons before making a decision

Anything that encourages you to save is a good thing. Or is it? Investment…

By Sheryl Nance-Nash

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Take Advantage of Hidden Credit Card Perks

Don't leave benefits on the table

I often hear people list the evils of credit cards, and blame them …

By Sheiresa Ngo

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MASTERCARD

MasterCard Extends Zero-Liability Policy

Protection provided for ATM and PIN transactions

Debit and credit card company MasterCard announced that it will extend its zero-liability policy for…

By Sheiresa Ngo

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Author Q and A: Confessions of a Credit Card Junkie

Author Beverly Harzog shares her struggles with credit cards in new book

Credit cards can help in times of an emergency. They are also necessary to help…

By Sheiresa Ngo

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Personal Finance Word of the Day: Prepaid Card [Video]

Your daily money bite

In light of the Consumer Financial Protection Bureau’s recent push to update disclosures for prepaid…

By Sheiresa Ngo

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Personal Finance Word of the Day: Average Daily Balance

Your daily money bite

Word of the day: Average daily balance
The average daily balance is the average balance on…

By Sheiresa Ngo

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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

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Black Enterprise Financial All-Star: Sonya Smith-Valentine

Advice from Black Enterprise's top experts

Learn how to manage your credit

By Sheiresa Ngo

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credit cards

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

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6 Things Debt Collectors Can and Can’t Do

Consumer Financial Protection Bureau includes debt-collection guidelines in annual report.

The Consumer Financial Protection Bureau released its annual report outlining how it has worked to…

By Sheiresa Ngo

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credit report

Federal Trade Commission: Millions of Errors In Credit Reports

Are errors in credit reports a cause for alarm?

Inaccuracies in credit reporting could result in higher interest rates, denial of credit.

By Darren Sands

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Don’t Let Your Car Note Drive You Crazy

Four ways to deal with overdue car payments or other issues when you’re struggling to pay for your vehicle

Money Coach Lynnette Khalfani-Cox gives four ways to deal with overdue car payments or other…

By Lynnette Khalfani-Cox

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3 Easy Steps To Check Out a Debt Collector

How to protect yourself from debt collector abuses

Lynnette Khalfani-Cox tells you how to protect yourself from debt collector abuses

By Lynnette Khalfani-Cox

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credit report

4 Circumstances That Qualify You for a Free Credit Report

Knowing the facts will allow you to get the information you need

If you think the only time you can get free credit reports is when you…

By Sheiresa Ngo

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credit report

4 Circumstances that Qualify You for a Free Credit Report

Knowing the facts will allow you to get the information you need

If you think the only time you can get free credit reports is when you…

By Sheiresa Ngo

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Power Moves: 10 Steps to Build Wealth Now!

Our editors have developed "The Power Issue" to help our readers find ways to advance their business, professional and financial lives

Our editors have developed “The Power Issue” to help our readers find ways to advance…

By Derek T. Dingle

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What to Do If You’re Contacted about an Expired Debt

The wrong move could wreak havoc on your finances by having you pay for something you didn't have to

In part one of this article, we explained what the statute of limitations is and…

By Sheiresa Ngo

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4 Things You Might Not Know About Credit

Think you know everything about credit? You might be surprised by these overlooked options

How much do you know about credit? Below are four things you might not be…

By Sheiresa Ngo

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Middle age. In your 40s and 50s, retirement should be top of mind now more than ever. Make sure that you’re taking full advantage of your company’s retirement plan. Contribute at least enough to receive the full match. Also make sure that you haven’t underestimated your time horizon. You don’t want to run out of money too soon.

Smart Money Moves for Every Stage of Life

You're never too young to start planning for your financial future

No matter what stage of life you’re in, it’s never to early–or late–to begin managing…

By Sheiresa Ngo

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What You Should Know Before Settling Credit Card Debt

Be aware of risks before hiring a company to handle negotiations

Many consumers have come to see debt settlement as a quick fix when they’re in…

By Sheiresa Ngo

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Managing Credit: How to Prove You’re Not Dead

Your guide to building and protecting your credit

It’s time to replace your car, so you shop around for the best deal, pick…

By Sheiresa Ngo

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Money Expert Q&A: When Stores Cancel Your Line of Credit

Answers for your personal financial-related questions and concerns

I got a letter in the mail that my credit card account for an electronics…

By Sheiresa Ngo

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Managing Credit: 4 Ways Bad Credit Can Hurt Your Career

Resources and expert strategies to help you boost, manage and protect your credit history

You’re all suited up and ready for a job interview with your dream company. The…

By Sheiresa Ngo

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Managing Credit: Understanding Your Utilization Ratio

Your guide to understanding and managing your credit.

Creditors use a calculation called a credit utilization ratio, which makes up 30% of your…

By Sheiresa Ngo

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Do You Know Your Business Credit Score?

Whether managing or repairing it, understand how it affects operations and the bottom line

In the current economic environment, business owners understand that a good personal credit score is…

By Emerald S. Morrow

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Pep Talk: Ready to be Debt-Free

How can I get on track if I am always in the hole?

I’m a 32-year-old mother of two and I’ve spent a great deal of time living…

By Tennille M. Robinson

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Credit Card Reform Starts Today

Consumers gain rights with new provisions

The landmark legislation that Obama signed in the spring of 2009 that was designed to…

By Renita Burns

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