What Is Identity Theft and How Does It Work?
Identity theft is a crime where someone steals your personal information and uses it to commit fraud, usually for financial gain. This type of scheme is also becoming more prevalent — according to data...
740credit.com Blog
40% of Americans Are Struggling to Pay Their Bills Right Now
More Americans are struggling to pay their bills now more than any other time in 2022 — and possibly even since the pandemic began. For more than 91 million U.S. adults, affording typical household...
Should I Refinance My Student Loans?
Refinancing your student loans can be a useful strategy to manage your student debt, but know that refinancing isn’t a panacea. In fact, there are some situations where refinancing could actually be financially harmful....
Hospital Bills Are Confusing and Expensive. Here’s How to Advocate for Yourself
Hospital bills can be scary, and outstanding medical debt can lead to major problems for patients. “We’re seeing headlines where hospitals are using aggressive debt collection practices. They’re suing folks who can’t afford their...
Credit card trends to watch in 2023
If you want a good prediction of tomorrow’s economy, watch what moves credit card issuers make today. “It’s almost like watching a crystal ball to some extent,” John Ulzhemier, a credit expert formerly of...
If You Married in 2022 Should You File Taxes Individually or Jointly
Saying “I do” was the easy part. Now that you’re married, try figuring out if it makes sense to file your taxes together jointly or individually. It’s the age-old quandary couples face each year because of...
Paying off debt is top priority for many consumers in 2023
Inflation, rising costs and the fear of recession have not derailed some Americans from sticking to their money goals in 2022, a new survey said. Seventy-four percent of respondents said that cost of living...
Financial New Year’s resolutions
Embrace the allure of a fresh start. The beginning of a new year is a great time to commit to your money goals, budget better, pay down debt, ditch bad habits and improve your...
Refinancing Your Mortgage With Your Current Lender
If you think it’s time to refinance your mortgage, run the numbers and compare rates from multiple mortgage lenders. Having all the information, including lender fees and other costs, will help you decide if you should...
5 Ways To Pay Off Your Student Loans
If you have student loan debt, you may be wondering what your options are for managing it, especially if your balance hovers near six figures. According to statistics gathered by Credible, of the 43 million...
Does having credit cards with a zero balance hurt your credit score?
One area where credit scores are particularly vexing for consumers is when zero balances on credit cards come into play. Does having a zero balance on your credit card hurt or help your credit...