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.

Essentials

Tips & Strategies

Latest Credit

How to keep your student loan to a minimum
How to keep your student loan to a minimum Education May 25, 2016
Read more: These cities will help pay your student loans! Student Loan Guide New refinance options can reduce your student…
Discover now offers free FICO score to everyone, not just cardholders
Discover now offers free FICO score to everyone, not just cardholders Money & Credit May 23, 2016
Discover Financial Services normally offersFICO scores forfree to its credit card customers. But now, the company is making the credit…
Leasing used car: Good or bad idea?
Leasing used car: Good or bad idea? Cars May 23, 2016
Read more: New car leasing 101: A plain English explanation Should you ever lease a car? How to buy, rent…
New bill would overhaul credit reporting system, remove debt after 4 years
New bill would overhaul credit reporting system, remove debt after 4 years Money & Credit May 20, 2016
If you've ever had to go through the hassle of trying to remove inaccurate information from your credit report, then…
Help! I think someone opened a credit card in my name
Help! I think someone opened a credit card in my name Money & Credit May 17, 2016
Maybe it’s a sudden influx of subprimecredit cardoffers in your mailbox. Ora bill from an issuer youdon’t recognize. Or, even,…
Credit score report - Why you need to check your credit report every year
5 sneaky ways to improve your credit score Credit May 13, 2016
There are certain times when it pays to have the highest credit score possible. Maybe you're about to refinance your…
Walmart sues Visa over chip card transactions
Walmart sues Visa over chip card transactions Shopping & Retail May 12, 2016
Two industry giants are set to face off in court over that chip debit card in your wallet. Read more:3…
Costco’s new credit card is a deal for you
Costco’s new credit card is a deal for you Credit April 26, 2016
Read more: What Costco's move away from American Express will mean to you New Costco credit card rewards have arrived…
One spending change proven to save you money
One spending change proven to save you money Money & Credit April 18, 2016
Read more: How to save more money: Rethink your spending 5 Ways To Trick Yourself Into Spending Less How to…
The only legitimate use for a home equity loan
The only legitimate use for a home equity loan Homes & Real Estate April 18, 2016
Read more: Should you finance your business with a home equity loan? When Does a HELOC Make Sense in Your…
How a small unpaid bill can destroy your credit score
How a small unpaid bill can destroy your credit score Money & Credit April 13, 2016
If you have old bills lingering out there somewhere that you forgot about, they could be doing a lot more…
Starbucks wants to win you back with this new prepaid rewards card
Starbucks wants to win you back with this new prepaid rewards card Money & Credit March 29, 2016
Though manyStarbucks customers were fairly upsetabout the new rewards program the company announced last month, the company's most recent announcementmight…
Why your bank now wants to monitor your location
Why your bank now wants to monitor your location Money & Credit March 21, 2016
In a doubled-down effort to reduce credit card fraud, banks are trying new ways to answer a very important question…
New, easy way to deal with a lost debit card
New, easy way to deal with a lost debit card Money & Credit March 21, 2016
Read more: Credit card protection policies are a rip-off Credit Freeze and Thaw Guide Don't fall for it! The IRS…
Get a mortgage with only 3% down payment
Get a mortgage with only 3% down payment Homes & Real Estate March 15, 2016
Read more: Bank of America's new mortgage program requires down payment of 3% 4 Ways To Get the Best Deal…
The other factor that affects your car insurance rate
The other factor that affects your car insurance rate Insurance March 14, 2016
Read more: Zip codes now being used to set car insurance premiums What role does credit play in setting car…
5 credit card myths that could harm your credit score
5 credit card myths that could harm your credit score Money & Credit February 29, 2016
Your credit card might be your favored method for paying everyday bills and expenses big and small, but how well…
Save over $6000 a year by changing one money habit
Save over $6000 a year by changing one money habit Money & Credit February 25, 2016
Read more: How To Get a Lower Interest Rate on Your Credit Card Best balance transfer and 0% interest credit…
Avoid credit cards with these kind of fees
Avoid credit cards with these kind of fees Money & Credit February 1, 2016
Read more: Is this the best credit card in the country right now? 9 places you should never use a…
What to do if your credit card application gets rejected
What to do if your credit card application gets rejected Credit January 28, 2016
When most people get a credit card application in the mail, they think it’s automatically a done deal and they’re…
Our favorite pre-paid cards ‘ and why we like them
Our favorite pre-paid cards ‘ and why we like them Money & Credit January 12, 2016
Read more: 3 tips to get the most value out of gift cards Clark's No-Giftcard Gift Certificate Sell your unwanted…
Most do not shop their mortgage rate. Why you should.
Most do not shop their mortgage rate. Why you should. Homes & Real Estate December 31, 2015
Read more: Buying a home? 15 ways to shop for the lowest mortgage rates Find the best interest rates for…
Struggling to pay off a huge debt? This story is for you.
Struggling to pay off a huge debt? This story is for you. Money & Credit December 2, 2015
Read more: Paying Off Credit Card Debt New ways to pay down your student loan debt Clark Howard: One Family's…
Alternatives that will help you avoid high ATM fees
Alternatives that will help you avoid high ATM fees Money & Credit November 26, 2015
Read more: Easy ways to avoid paying ATM fees Handling your money overseas 6 little bank fees eating away your…
Heads up: New chip credit card scams
Heads up: New chip credit card scams Banks & Banking November 23, 2015
Read more: What you need to know about those new EMV credit cards Did your bank send you a new…
Should you close that paid-off credit card?
Should you close that paid-off credit card? Money & Credit October 21, 2015
Read more: Should you close your credit card? How does opening and closing credit cards affect your score 5 Ways…
Better alternative to a private student loan
Better alternative to a private student loan Education October 15, 2015
Read more: New Ways To Refinance Private Student Loans Student Loan Guide Private Student Loan Lenders Get Flexible With Repayment…
Experian data breach exposes T-Mobile customers
Experian data breach exposes T-Mobile customers Scams & Rip-Offs October 14, 2015
Read more: ScotTrade, Experian and other recent data hacks Clark's Credit Freeze & Thaw guide
student loans
Credit card companies lure students with these gimmicks Money & Credit September 24, 2015
Read more: Credit card that helps pay your college costs Going To College: Your Guide to Campus Life and Money…
Why (and where) to start comparing credit cards
Why (and where) to start comparing credit cards Money & Credit September 11, 2015
Read more: Not All Credit Card Comparison Shopping Sites Created Equal ... The most trustworthy credit card review site How…