Bev O'Shea

Learning how to read a credit report lets you check the information your credit scores are based on — and see if errors are lowering your score.

Rent isn’t typically reported to credit bureaus. You can use a rent-reporting service to add payments to your credit reports, helping some credit scores.

How much to tip depends on the type of service you receive and your experience. However, generally, etiquette experts say you should tip 15% to 20% of the bill.

Large data breaches like Capital One and Equifax affect millions of consumers. Here’s what to know and how to protect yourself and your credit.

Debt settlement reduces what you owe a credit card issuer, but carries a hefty fee and long timeline. Other options are often better and quicker.

Save money every time you shop online by making a list, using coupons and comparing prices. Here’s what else you can do to get the best deals and stay on budget.

Preparing your credit for a natural disaster can strengthen your finances, so it’s not wasted effort.

A divorce means splitting financial assets, but credit scores are not shared. Here’s how to protect your good credit or build credit in your own name.

Having good credit can give you more financial opportunities, so safeguard your score by avoiding these things that can cost points.

Deciding whether to file for Chapter 7 or Chapter 13 bankruptcy is stressful — don’t let these common myths unnecessarily add to your burden.

A series of breaches compromised Yahoo accounts from 2012 through 2016. If you’re affected, here’s how to opt in or out of the $117.5 million settlement.

Check your credit reports regularly — monthly or even weekly. It lets you track your credit health and catch signs of trouble early.

Credit utilization is the ratio of credit card balances to credit limits. Use our credit utilization calculator to check yours and see how it affects your credit score.

A rejection doesn’t hurt your score. But your score may drop when you apply for a card, even if you’re approved.

The bankruptcy means test determines who can file for debt forgiveness through Chapter 7 bankruptcy. It takes income, expenses and family size into account.

Those affected by COVID-19 may be eligible for relief in paying bills. Understand how to apply and how programs will affect your credit reports and scores.

A goodwill letter asks a creditor to remove late payments or other mistakes from your credit. Here’s when to send one, and a sample letter to use.

A credit freeze blocks access to your credit reports to stop new accounts from being opened in your name — even if a scammer has your Social Security number.

The average wedding cost is $28,000, according to The Knot. But it’s possible to pay much less than that for your wedding. Here’s how to do it.

Simple habits will protect you against some of the most common threats to your personal and financial data. Here’s where to start.