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.

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.

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.

Spending more money than you have in your bank account will leave you with a negative balance. Learn how to avoid a negative balance and next steps to take. Read more.

If your credit score still has some room to grow, you can use these 10 credit hacks to get it into better shape in just a short time. Here's how to start. Read more.

Can you reopen a closed credit card? This article will explain the reasons why your account might have closed and provide you with steps to try and reopen it. Read more.