Your Credit

Your credit impacts several aspects of your finances: Interest rates on loans, insurance premiums and even employment. From protecting your information to improving your credit score, Team Clark has the resources you need to live a financially healthy life.

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Latest Credit

Experian data breach: What we know + how to stay protected
Experian PIN recovery flaw: What we know now Protect Your Rights & Identity October 15, 2018
Editor's note: An earlier version of this story called this a "data breach," when it is actually more of a…
medical debt
Need medical debt relief? New rules may help out Money & Credit October 11, 2018
Is medical debt from surprise medical bills hurting your credit? You've got more options and more time than ever to…
Clark Howard wants you to freeze your credit with TransUnion, Equifax and Experian
How to Freeze Your Credit With Experian, Equifax and TransUnion Credit September 20, 2018
Freezing your credit with all three major credit bureaus is the single most important thing you can do to protect…
cutting credit card
Credit card issuers trim benefits: See who’s cutting what Credit August 6, 2018
There's an old Chinese saying, "One day, a thousand autumns" that indicates a pace of rapid change. That saying is…
The 3 main credit bureaus are Equifax, Experian and TransUnion
How to Reach a Human at Experian, TransUnion and Equifax Credit July 11, 2018
With data breaches so prevalent, many consumers have had to familiarize themselves with the three major credit bureaus to freeze…
soft pull vs. hard pull credit report
The difference between a ‘soft pull’ vs. ‘hard pull’ on your credit report Credit July 5, 2018
If you're in the market for a home or new car, you're probably paying attention to your credit score. After…
Retirees relaxing on the beach
Should you take out a loan to pay for a vacation? Travel June 20, 2018
With vacation season underway, you're probably feeling the urge to plan a trip and relax for a few days. But…
Cell phone fraud warning: How to avoid becoming a victim
Cell phone fraud warning: How to avoid becoming a victim Protect Your Identity June 18, 2018
It's safe to say that cell phones have become must-have gadgets for most of us these days. Because criminals know…
Free credit freezes for kids are coming: Here’s what to expect
Free credit freezes for kids are coming: Here’s what to expect Money & Credit June 13, 2018
Embedded in a new law meant to loosen banking regulations is a provision that allows parents or guardians to place…
Credit card interest rate
How does credit card interest work? Money & Credit June 12, 2018
Credit cards are an important financial tool for many people, but if you don't understand how credit card interest works,…
Happy credit card user
5 tips for preventing your credit card rewards from expiring Money & Credit June 5, 2018
Credit card rewards are a very valuable asset and can turn into free or discounted flights, hotel nights, gift cards,…
The difference between Chapter 7 and Chapter 13 bankruptcy
What’s the difference between Chapter 7 and Chapter 13 bankruptcy? Money & Credit June 5, 2018
When it comes to money matters, most of us have experienced financial setbacks at one time or another. The great…
Is the Chase Sapphire Reserve credit card worth it?
Is the Chase Sapphire Reserve credit card worth it? Credit Cards June 4, 2018
In 2016, Chase introduced its Sapphire Reserve credit card, and the award travel world went crazy. Chase literally couldn't produce…
Credit card purchase
These are the best credit cards for extended warranties Credit June 4, 2018
It's a classic complaint: Your purchases somehow find a way to break right after the manufacturer's warranty expires. One option…
The one and only reason to have a ‘piece of trash’ debit card
The one and only reason to have a ‘piece of trash’ debit card Money & Credit May 22, 2018
Pushed by the banks for years, debit cards have become a popular way to pay for everything from gas to…
Credit Cards
A big change your credit card issuer might be making could harm your credit score Money & Credit May 16, 2018
Credit card default rates by U.S. consumers are on the rise, according to a report published this week. The S&P…
Credit cards
How to get your credit card to work for you Money & Credit May 15, 2018
Credit cards can be valuable tools to have, but only when they're used the right way. By minimizing fees and…
Credit Cards
5 credit card mistakes to avoid Money & Credit April 25, 2018
Credit cards are a financial tool that can lead to great rewards and benefits, but if mishandled can lead to…
frozen credit card
The big chill: How to freeze your credit — literally! Budgeting & Saving April 18, 2018
You've heard of freezing your credit, but have you ever heard of freezing your credit card? If you're having trouble…
Credit Cards
What is a ‘good’ credit card? Credit April 13, 2018
Asking the question, “What is a good credit card?” is kind of like asking “What is a good car?” as…
Credit score
Why your credit score could see a 30-point boost on April 16 Credit April 13, 2018
We have some good news if you've had tax troubles in the past. The three main credit bureaus will remove…
This change will affect every Visa, Mastercard, American Express and Discover cardholder
This change will affect every Visa, Mastercard, American Express and Discover cardholder Credit April 3, 2018
The next time you go to use your Visa, Mastercard, American Express or Discover credit card, you may notice a…
Report: Here are the cities with the most credit card debt
Report: Here are the cities with the most credit card debt Money & Credit February 13, 2018
Most people do all they can to pay their bills on time and be good stewards of their financial lives,…
Data breach: What to do when you're personal info has been hacked
What to do when you’re notified of a ‘merchant breach’ Protect Your Identity February 5, 2018
As technology becomes more enmeshed with personal finance, cybersecurity breaches are becoming more prevalent. While there's usually significant media coverage…
Clark Your Life: A guide to a healthier, wealthier 2018
Clark Your Life: A guide to a healthier, wealthier 2018 Money & Credit January 26, 2018
Are you ready to take control of your financial life? We're here to help! Financial change is all about discipline.…
Petal Visa credit card
New card offering promises a no-fee way to build your credit Credit January 12, 2018
For people with no credit history, getting access to credit can be a difficult thing. In the past, money expert…
Cut credit card debt
Your guide to paying off credit card debt Money & Credit December 29, 2017
There are several steps you should take to get out of credit card debt. Paying off credit card debt that's…
Xerox fined $1M over credit reporting mistakes that may have affected you
Xerox fined $1M over credit reporting mistakes that may have affected you Credit November 21, 2017
If your credit was pulled for any reason in 2016, there's a chance it contained incorrect information. RELATED: What happens…
Why keeping credit card debt in check will be key this holiday season
Why keeping credit card debt in check will be key this holiday season Credit November 3, 2017
The holiday season is here and that means stores packed with shoppers and merchants dangling sales in front of them…
6 mistakes to avoid with a rewards credit card
6 mistakes to avoid with a rewards credit card Money & Credit September 29, 2017
Rewards credit cards can be amazing financial tools, as few products exist that actually pay you to use them. It's easy…