Posts Tagged "debt"

Paying Off Debt: How Do I Make Room in My Budget?

With the New Year well underway, it’s a logical time to ask yourself: how fit are my finances? The more debt you have, the harder it might seem to pay it off. However, the more debt you have, the more rewarding it can be to eliminate it once and for all. Whether you have a […]

Audio: Experian Etc. with Amanda Abella

Managing your finances isn’t something you’re born knowing about – and setting a budget for yourself is no exception. When your dreams suddenly start to include starting up that home business idea you’ve kept on the back burner, your budget might change dramatically. And that’s okay, too. How can you keep your budget in step […]

Holiday Shopping and Identity Theft: Survey Results

It’s the most wonderful time of the year – and also one of the most spendy! See how you stack up against the survey respondents in our annual holiday shopping survey – where a whopping 9% of respondents said they’ll spend with the likelihood that they’ll end up paying off their credit card charges late! […]

Infographic: A Crash Course in Budgeting

It’s something many of us have but could all probably improve upon: a basic budget is essential for managing your money from month-to-month. But how effective and well attuned is your budget to the demands of your lifestyle, countered by the limits of your income? If you’re just setting out on your own for the first […]

‘Til Debt Do You Part: Avoiding Debt as Newlyweds

Once you’ve walked the aisle, how intertwined will you choose to make your finances? Financial blogger Ash Cash shares tips on bringing harmony to your new budget. Getting married is a major milestone. The words “I do” mark the beginning of a lifetime together. But you’re marrying into much more than the person; you’re also […]

Paid Collections Accounts and Your Credit Report

An account in collections on your credit report is never a good thing. If you’ve fallen behind in making your regular payments, it can be difficult to get back on your feet. Once you regain your financial footing and make payments again, you may think you’re on the road to having that account removed from […]

Credit Curious: Top Tips from Budgeting Experts

When your budget needs a tune-up, it usually means one of two things: either it’s been a while since you looked at it, or things have recently changed in your world. In either case, there’s no better time than now to bring your finances into sync. We recently hosted a Credit Curious podcast featuring two […]

Paying Off Student Loans to Enjoy Life After College

Financial blogger Thom Fox reminds us that everyone learns about the power of credit at some point. Discover how pursuing higher education later on gave him a different approach to student spending. I went to college later in life than usual. During my youth, I was one of those kids who didn’t know what they […]

Using your credit report to compile a complete list of your creditors and debts

Dear Experian,

How do I find out what I really owe and if any creditor will settle for less if I can pay off the balance? Can I get a list of all my creditors from you?


Difference between “balance-to-limit ratio” and “debt-to-income” ratio

Dear Experian,

What is the appropriate balance-to-limit or debt-to-income ratio? I do not maintain a balance on my credit cards but worry that I have credit limits that are too high and could impact my overall credit.


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