Credit locks and credit freezes are ways to restrict and secure your credit report, but there are advantages, disadvantages and differences to using each. Read more.

If you have taken out more than one type of student loan, and one of those loans is private, then it’s a good idea to start paying that loan off first. Read more.

ITIN's are issued to residents with foreign status, while SSNs are issued to U.S. citizens or authorized non-citizens. We'll explain the differences. Read more.

You may be considering disposing of all your credit card statements, but we'll explain how long to keep credit card statements and the reasons why you should. Read more.

What does annual income mean? Annual income is the total amount of money you have earned during a calendar year. Here is a formula to calculate your income. Read more.

Making your student loan payments on time can help your credit score, but if you are late or have missed payments, it may hurt your score. Read more.

An NSF fee, also known as an insufficient funds fee, is a common bank fee that often catches people by surprise. We'll explain how to avoid paying them. Read more.

Sections 604 and 609 of the FCRA have similar numbers and refer to consumer reports and/or disclosures. Section 609 supports a dispute letter. Read more.