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

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…
Equifax data breach - Clark Howard credit freeze guide
The Consumers Union is calling on Equifax to take these 7 steps immediately Credit September 20, 2017
If one consumer advocacy group gets its way, people affected by the Equifax data breach could be compensated from a…
How to Dispute an Error on Your Credit Report and Win
How to Dispute an Error on Your Credit Report and Win Money & Credit August 18, 2017
If your credit report contains errors, you owe it to yourself to clean it up. While it can be somewhat…
How to Minimize the Damage of Unpaid Bills to Your Credit Score
How to Minimize the Damage of Unpaid Bills to Your Credit Score Credit August 16, 2017
It can be very upsetting to see a late payment on your credit report, especially if it's gone to a…
American Express sweetens the rewards for Platinum cardholders
American Express sweetens the rewards for Platinum cardholders Money & Credit April 30, 2017
American Express has a few carrots and one stick for its Platinum cardholders as part of an ongoing effort to…
Couple going over finances online
How to spring clean your credit in 5 easy steps Credit March 24, 2017
I totally love spring. There’s just something in the air that makes you feel like it’s time to clean the…
How the Fed rate hike will impact you and your wallet
How the Fed rate hike will impact you and your wallet Money & Credit March 18, 2017
The Federal Reserve's move this week to raise a key interest rate signals one thing for consumers — brace yourself for…
12 surprising things that could be wrecking your credit score
12 surprising things that could be wrecking your credit score Money & Credit February 5, 2017
The next time you check your FICO score, you might discover it has taken a tumble because of a seemingly small mishap on your…
How can you get an interest rate lowered or late fees waived? Just ask!
How can you get an interest rate lowered or late fees waived? Just ask! Money & Credit January 19, 2017
Ask and you shall receive! Well, it may not work every time, but it works a lot more than you…
Know your rights: It’s illegal for a debt collector to threaten you
Know your rights: It’s illegal for a debt collector to threaten you Money & Credit January 13, 2017
More than a quarter (27%) of consumers who’ve interacted with debt collectors said they felt threatened by the most recent…
Credit bureaus fined over deceptive credit score marketing practices
Credit bureaus fined over deceptive credit score marketing practices Money & Credit January 4, 2017
If you've ever felt like you've gotten a raw deal from the major credit bureaus, you could have some money…
What the Fed rate hike means for your money in 2017
What the Fed rate hike means for your money in 2017 Money & Credit December 28, 2016
Interest rates are going up, and the time to prepare yourself and your money is now. Read more:How to save…
Flying for the holidays? Your credit card could get you a free Uber ride home
Flying for the holidays? Your credit card could get you a free Uber ride home Money & Credit November 21, 2016
American Express' partnership with Uber just got a bit decorative for the holidays. Now through December 31 the credit card issuer and…
How to dispute mistakes on your credit report
How to dispute mistakes on your credit report Money & Credit November 18, 2016
What you don’t know about your credit report can really hurt you. It could mean denial of job offers, higher…