The ultimate guide to understanding your credit score

December 21, 2016 Bob Sullivan 1

Most American adults have a credit score attached to their name.  The score directly impacts each consumer’s cost of obtaining credit. Lower scores mean higher interest rates for credit cards, auto loans, mortgages, and so on.  Many consumers use the terms “credit score” and “credit report” interchangeably, but that’s a […]

The ultimate 10-step guide to dealing with your credit report

November 29, 2016 Bob Sullivan 0

I’ll be doing some “Back to Basics” stories for the folks at Insedia.com.  The series starts today with perhaps the most basic — but most important — element of personal finance in our credit-driven economy.  Here’s my quick-and-dirty guide to dealing with your credit report. What is it and where […]

Fighting fine print with fine print: If Thrifty can charge me a $20 no-gas-receipt fee, why can’t I charge Thrifty a $20 no-receipt fee?

October 20, 2016 Bob Sullivan 0

I’m constantly amazed at the unfair contracts consumers are forced to sign during simple transactions with large corporations. Lawyers load up standard-form contracts with one-sided, take-it-or-leave-it terms, often called “contracts of adhesion.”   I’m in a crowd that believes one-sided contracts where there’s unequal bargaining power aren’t contracts at all, and so […]

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