The Military Wallet » Credit / Debt http://themilitarywallet.com Personal finance for military, veterans, and their families Tue, 15 May 2012 04:36:47 +0000 en hourly 1 http://wordpress.org/?v=3.3.2 Get a Free Credit Score – No Credit Card or Payment Required http://themilitarywallet.com/free-credit-score-online/ http://themilitarywallet.com/free-credit-score-online/#comments Sat, 28 Apr 2012 07:44:18 +0000 Ryan Guina http://themilitarywallet.com/?p=2575

This article was originally published on The Military Wallet at Get a Free Credit Score – No Credit Card or Payment Required and is protected by US copyright laws.

Credit scores are an important part of your financial health as they are used to determine your creditworthiness, buy a house, sign a cell phone contract, or even get a job or security clearance. Because your credit score is so important, many companies offer consumers a "free credit score". Unfortunately, some of these free credit [...]


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]]> This article was originally published on The Military Wallet at Get a Free Credit Score – No Credit Card or Payment Required and is protected by US copyright laws.

Credit scores are an important part of your financial health as they are used to determine your creditworthiness, buy a house, sign a cell phone contract, or even get a job or security clearance. Because your credit score is so important, many companies offer consumers a "free credit score". Unfortunately, some of these free credit score offers turn out to be a bait and switch offer. The problem was so ...

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  3. How to Use a Credit Card to Build Your Credit Score


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]]> http://themilitarywallet.com/free-credit-score-online/feed/ 0 How to Place a Security Freeze on Your Credit File http://themilitarywallet.com/place-security-freeze-on-credit-file/ http://themilitarywallet.com/place-security-freeze-on-credit-file/#comments Thu, 16 Feb 2012 05:13:27 +0000 Ryan Guina http://themilitarywallet.com/?p=2268

This article was originally published on The Military Wallet at How to Place a Security Freeze on Your Credit File and is protected by US copyright laws.

Identity theft can be a devastating and demoralizing problem that has far reaching consequences and can be difficult to repair. Unfortunately, identity theft cases continue to increase. If you have been a victim of identity theft, believe you have been a victim, or want to increase the security of your credit history, then you can [...]


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]]> This article was originally published on The Military Wallet at How to Place a Security Freeze on Your Credit File and is protected by US copyright laws.

Identity theft can be a devastating and demoralizing problem that has far reaching consequences and can be difficult to repair. Unfortunately, identity theft cases continue to increase. If you have been a victim of identity theft, believe you have been a victim, or want to increase the security of your credit history, then you can place a security freeze on your credit file with something called a credit freeze. Why Freeze ...

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  1. Prevent Identity Theft
  2. Military Personnel Prime Targets For Identity Theft
  3. What to Do About a Lost or Stolen Stimulus Check


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]]> http://themilitarywallet.com/place-security-freeze-on-credit-file/feed/ 2 What to Do If You Can’t Afford Your Student Loan Payment http://themilitarywallet.com/cant-afford-student-loans/ http://themilitarywallet.com/cant-afford-student-loans/#comments Wed, 21 Dec 2011 18:19:33 +0000 Emily Guy Birken http://themilitarywallet.com/?p=2043

This article was originally published on The Military Wallet at What to Do If You Can’t Afford Your Student Loan Payment and is protected by US copyright laws.

The average amount that college graduates owe in student loans continues to rise—topping $25,000 according to the most recent data—while job prospects for new graduates are bleak to say the least. Students generally have a six-month grace period after graduation to allow them to find a job before the first payment is due. But since [...]


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]]> This article was originally published on The Military Wallet at What to Do If You Can’t Afford Your Student Loan Payment and is protected by US copyright laws.

The average amount that college graduates owe in student loans continues to rise—topping $25,000 according to the most recent data—while job prospects for new graduates are bleak to say the least. Students generally have a six-month grace period after graduation to allow them to find a job before the first payment is due. But since jobs are scarce and the minimum payment can be frighteningly high, that grace period can ...

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  1. Pros and Cons of Refinancing a VA Loan
  2. Should You Refinance VA Loan From a 30 Year Mortgage to a 15 Year Mortgage?
  3. Options for Refinancing a VA Loan


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]]> http://themilitarywallet.com/cant-afford-student-loans/feed/ 0 Examining the Different Types of Credit Scores http://themilitarywallet.com/different-types-of-credit-scores/ http://themilitarywallet.com/different-types-of-credit-scores/#comments Thu, 03 Nov 2011 14:40:51 +0000 Ryan Guina http://themilitarywallet.com/?p=1624

This article was originally published on The Military Wallet at Examining the Different Types of Credit Scores and is protected by US copyright laws.

I'm sure you now your credit score is important. It can affect your ability to get a loan, buy a home, get a good interest rate on a loan, or even get a job. But what you may not know is there is no "one-size-fits-all" standard for credit scores. In fact, there are literally hundreds [...]


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]]> This article was originally published on The Military Wallet at Examining the Different Types of Credit Scores and is protected by US copyright laws.

I'm sure you now your credit score is important. It can affect your ability to get a loan, buy a home, get a good interest rate on a loan, or even get a job. But what you may not know is there is no "one-size-fits-all" standard for credit scores. In fact, there are literally hundreds of different credit scores out there. Some of the credit scores are specific to a ...

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  1. How to Improve Your Credit Score
  2. Understanding Your Credit Score
  3. What is the Effect of Having an Authorized User on Your Credit Card?


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]]> http://themilitarywallet.com/different-types-of-credit-scores/feed/ 0 Is Closing a Credit Card Bad for Your Credit Score? http://themilitarywallet.com/is-closing-a-credit-card-bad-for-your-credit-score/ http://themilitarywallet.com/is-closing-a-credit-card-bad-for-your-credit-score/#comments Thu, 15 Sep 2011 10:40:20 +0000 Laura Adams http://themilitarywallet.com/?p=1400

This article was originally published on The Military Wallet at Is Closing a Credit Card Bad for Your Credit Score? and is protected by US copyright laws.

Can closing your credit cards affect your credit score? Debbie P. wants to know: I had a rewards credit card with one of the major airlines for less than a year. However, I just closed it due to the $85 annual fee and a change in the rules about checking luggage. Will canceling the credit [...]


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]]> This article was originally published on The Military Wallet at Is Closing a Credit Card Bad for Your Credit Score? and is protected by US copyright laws.

Can closing your credit cards affect your credit score? Debbie P. wants to know: I had a rewards credit card with one of the major airlines for less than a year. However, I just closed it due to the $85 annual fee and a change in the rules about checking luggage. Will canceling the credit card hurt my credit score? Debbie’s question is a common one. Many people get fed up with credit ...

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  1. How to Use a Credit Card to Build Your Credit Score
  2. Will My Credit Cards Affect My Ability to Get a Car Loan?
  3. 5 Small Credit Card Mistakes That Can Sink Your Credit Score


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]]> http://themilitarywallet.com/is-closing-a-credit-card-bad-for-your-credit-score/feed/ 0 What You Should Know About Debt Forgiveness http://themilitarywallet.com/what-you-should-know-about-debt-forgiveness/ http://themilitarywallet.com/what-you-should-know-about-debt-forgiveness/#comments Mon, 15 Aug 2011 11:21:13 +0000 Laura Adams http://themilitarywallet.com/?p=1248

This article was originally published on The Military Wallet at What You Should Know About Debt Forgiveness and is protected by US copyright laws.

If you can’t pay your mortgage or credit card debt, you've probably wondered what happens if a lender cancels or forgives your debt. It’s important to understand that if you owe a debt that is officially cancelled or forgiven, it may be taxable. What Forgiven Debt Is Taxable? In general, if you borrow money from [...]


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]]> This article was originally published on The Military Wallet at What You Should Know About Debt Forgiveness and is protected by US copyright laws.

If you can’t pay your mortgage or credit card debt, you've probably wondered what happens if a lender cancels or forgives your debt. It’s important to understand that if you owe a debt that is officially cancelled or forgiven, it may be taxable. What Forgiven Debt Is Taxable? In general, if you borrow money from a lender and they cancel all or a portion of it, you must add the cancelled amount ...

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  1. Debt to Income Ratio – What is it, and Why Does it Matter?
  2. How Debt Settlements Affect Credit History
  3. Should You Use a HELOC to Consolidate Credit Card Debt?


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]]> http://themilitarywallet.com/what-you-should-know-about-debt-forgiveness/feed/ 2 Understanding Your Credit Score http://themilitarywallet.com/understanding-your-credit-score/ http://themilitarywallet.com/understanding-your-credit-score/#comments Wed, 27 Apr 2011 10:13:34 +0000 Ryan Guina http://themilitarywallet.com/?p=955

This article was originally published on The Military Wallet at Understanding Your Credit Score and is protected by US copyright laws.

Your credit score is one of the most important numbers in your financial life (probably #2 after your Social Security Number, which is required for just about everything!). Because credit scores are so important in today's society, it's essential to understand your credit score - why it is important, how it is comprised, and how [...]


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]]> This article was originally published on The Military Wallet at Understanding Your Credit Score and is protected by US copyright laws.

Your credit score is one of the most important numbers in your financial life (probably #2 after your Social Security Number, which is required for just about everything!). Because credit scores are so important in today's society, it's essential to understand your credit score - why it is important, how it is comprised, and how you can improve it. So let's take a look at all of these and go ...

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  1. Examining the Different Types of Credit Scores
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]]> http://themilitarywallet.com/understanding-your-credit-score/feed/ 0 The Case for Automating your Finances http://themilitarywallet.com/you-should-automate-your-finances/ http://themilitarywallet.com/you-should-automate-your-finances/#comments Tue, 01 Mar 2011 16:56:55 +0000 Ryan Guina http://themilitarywallet.com/?p=786

This article was originally published on The Military Wallet at The Case for Automating your Finances and is protected by US copyright laws.

Automating your finances can save you time and money. I've heard it before, I've said it before, and for the most part, I follow this advice. But I didn't set up automatic bill payments for my business credit card and it almost came back to bite me. I just got off the phone with Discover [...]


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]]> This article was originally published on The Military Wallet at The Case for Automating your Finances and is protected by US copyright laws.

Automating your finances can save you time and money. I've heard it before, I've said it before, and for the most part, I follow this advice. But I didn't set up automatic bill payments for my business credit card and it almost came back to bite me. I just got off the phone with Discover after they called me and sent me an e-mail. "Uh-oh," I thought when they called. What ...

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]]> http://themilitarywallet.com/you-should-automate-your-finances/feed/ 3 Is It Practical to Live Life Without Debt? http://themilitarywallet.com/can-you-live-without-debt/ http://themilitarywallet.com/can-you-live-without-debt/#comments Mon, 14 Feb 2011 11:17:12 +0000 Miranda Marquit http://themilitarywallet.com/?p=758

This article was originally published on The Military Wallet at Is It Practical to Live Life Without Debt? and is protected by US copyright laws.

One of the consequences of the recession is that more people are considering their finances, and, in many cases, deciding that it is a good idea to get out of debt. And to never use debt again. Living a life completely without might be a noble idea, but is it practical? In a lot of [...]


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]]> This article was originally published on The Military Wallet at Is It Practical to Live Life Without Debt? and is protected by US copyright laws.

One of the consequences of the recession is that more people are considering their finances, and, in many cases, deciding that it is a good idea to get out of debt. And to never use debt again. Living a life completely without might be a noble idea, but is it practical? In a lot of ways, living so that you never have debt at all is impractical. Making Big Purchases One of ...

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]]> http://themilitarywallet.com/can-you-live-without-debt/feed/ 2 Many People Take Debt With Them Into Retirement http://themilitarywallet.com/many-people-take-debt-with-them-into-retirement/ http://themilitarywallet.com/many-people-take-debt-with-them-into-retirement/#comments Tue, 25 Jan 2011 11:54:28 +0000 Hank Coleman http://themilitarywallet.com/?p=726

This article was originally published on The Military Wallet at Many People Take Debt With Them Into Retirement and is protected by US copyright laws.

One of your biggest financial goals should be to not only to reach retirement with enough money saved to live out your dreams, but also to retire debt free. You would think that would be the goal for the majority of people and that debt in retirement would not be an issue. But far too [...]


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]]> This article was originally published on The Military Wallet at Many People Take Debt With Them Into Retirement and is protected by US copyright laws.

One of your biggest financial goals should be to not only to reach retirement with enough money saved to live out your dreams, but also to retire debt free. You would think that would be the goal for the majority of people and that debt in retirement would not be an issue. But far too many Americans are retiring today with balances on their credit cards, hindering their ability to ...

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