Practical notes for a stronger file.

Plain-language articles on credit reports, disputes, consumer rules and business credit. Educational only, not legal advice.

Millions of Americans are behind on their student loans

U.S. student debt has ballooned for decades, but this year, legislators appear to be more serious about student debt forgiveness than ever before — prompting bold proposals and vigorous debate about potential impacts and costs. One variable often…

VA Again Extends Debt Collection Moratorium

The Department of Veterans Affairs has announced that it will extend its moratorium on all benefit and medical copay debt collections through at least Sept. 30,…

Auto Loan Subprime Performance Lags

CHICAGO, Feb. 18, 2021 (GLOBE NEWSWIRE) — Consumer credit activity picked up in the final quarter of 2020 as balances increased across most credit products and…

FHFA Extends Forbearance Policies For Up To 15 Months

Borrowers with mortgages backed by Fannie Mae and Freddie Mac may be eligible for an additional forbearance extension of up to three months, the Federal Housing Finance Agency announced Tuesday. FHFA…

Tips for Budgeting as a New Couple

The early days of a new relationship can be very exciting. It’s fun to spend time with someone you click with, and it is natural to…

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