NextAdvisor Blog - Tasha Lockyer

Tasha has been working in Silicon Valley for the past 20 years, enjoying a long-lived career in Product Management and Marketing. She is currently the Director of Product Management for NextAdvisor and in addition to product development, I.T. projects and an assortment of other endeavors, she has has spent the last 7 years covering all things credit, credit cards and identity theft protection. Her credit card analysis has been cited in a wide array of leading publications including Forbes, New York Times, CBS News and Huffington Post.

Posts by Tasha Lockyer:

Discover Lengthens Its 0% Intro APR on Balance Transfers to 21 Months

Discover it now offers a terrific 21-month 0% intro APR on balance transfers and great cash back rewards. And it's available to those with just average credit.
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Best Credit Cards for 2017

These top credit cards offer bonuses of up to $625 and 0% intro APRs up to 21 months. Read our independent reviews of the best credit cards of 2017.
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The Enhanced Business Platinum Card from American Express OPEN Increases Bonus to 100K Points

American Express has increase the bonus on its Enhanced Business Platinum Card from American Express OPEN to 100,000 points. Learn about how to get this bonus and read all about the card's features and benefits.
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Get a $300 Cash Back Bonus with the Ink Cash Business Credit Card

Effective today you can earn a $300 cash back bonus with the Ink Cash Business Credit Card. Learn how and read more about the card's generous ongoing cash back rewards
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Get a $200 Statement Credit Bonus with Bank of America Business Cards

Effective today, earn a $200 statement credit bonus with the Bank of America Cash Rewards for Business Mastercard and the Bank of America WorldPoints Travel Rewards for Business Visa. Read our post to learn more.
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Top 3 Credit Cards for Customer Satisfaction

Updated: February 23, 2017 Is your credit card working for you, earning you all it should and making you happy? An important component of a positive relationship with your credit card is if you feel satisfied with your card. To that end, J.D. Power came out with
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Earn 5% Back on Travel with Blue Cash from American Express Cards

Editor’s Note: This offer is no longer available. To see the current offer please click here. American Express just announced that two of its cash back credit cards will earn cash back rewards on travel purchases. Blue Cash Preferred Card from American Express (a NextAdvisor advertiser) and Blue
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Wells Fargo Credit Cards Can Protect Your Mobile Phone

Updated: January 18, 2017 Anyone with a smartphone knows how expensive it can be to replace if it’s stolen or damaged. Well worry no more — Wells Fargo credit cards have a nifty feature that offers protection against damage or theft of your cellular mobile phone. The Cellular
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Best Credit Card Intro Bonuses for Every Credit Level

Updated: Jan. 6, 2017 In the market for a credit card and want a fat introductory bonus, but aren’t sure if you’ll qualify? Worry no longer — many card issuers have loosened their criteria for eligibility, which means even if you don’t have excellent credit, you can
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How to Get 10% Cash Back

Updated: February 1, 2017 Yes, it’s true — you can get a whopping 10% cash back on your purchases. In fact, it’s pretty easy and just involves choosing a credit card that offers this kind of deal. We walk you through how those with average to excellent credit can
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Earn 5% Back at Costco and Other Wholesale Clubs with Chase Freedom

Earn 5% back at Costco and other wholesale club stores from now through the end of 2016 with Chase Freedom. Learn more about this and the card's other features.
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NextAdvisor Adds New Wells Fargo Credit Card Reviews

NextAdvisor launched two new reviews for Wells Fargo credit cards today. The first review is for Wells Fargo Propel American Express Credit Card, a strong rewards card that also features a 0% intro APR. The second review is for Wells Fargo Platinum Visa Credit Card, a low
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New: SimplyCash Plus Business Credit Card from American Express Review

The SimplyCash Business Credit Card from American Express earns cash back rewards, features a generous intro bonus, doesn't have an annual fee, and even has a 0% 9-month intro APR on purchases. Plus, it has a nifty little option that lets users charge over their credit limit
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NextAdvisor.com Releases Its 2016 Travel Rewards Credit Cards Analysis Results

We took a look at the values of the top frequent travel programs on the market, researching how far each program's points would get you. The answer varied, with some cards and programs doing very well and others surprisingly not. Cards varied by whether they provided a
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You May Be Eligible for a Special Credit Card Offer From American Express

Get preapproved for special American Express credit card offers not available to the general public. Find out more about how to take advantage of this opportunity.
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New: BuyPower Business Card from Capital One Review

The BuyPower Business Card from Capital One can help your business earn a Chevrolet, Cadillac, GMC or Buick vehicle. Learn more about how this card works.
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New: Chase Freedom Unlimited Review

Chase Freedom Unlimited is a solid cash back card that offers an unlimited 1.5% cash back on all purchases and $150 intro bonus. Learn more about the card features and benefits.
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Pay No Interest Until 2018 With These Credit Cards

Updated: February 1, 2017 Stop wasting money on interest fees! If you’re carrying a balance on one (or several) credit cards, you’re probably paying interest fees each month. Or if you need to make a large purchase that you can’t pay off for a while, you’ll likely start
[Read More]

New: Hilton HHonors Surpass Card from American Express Review

Editor’s Note: This offer is no longer available. Today we had the opportunity to launch our new review of the Hilton HHonors Surpass Card from American Express (a NextAdvisor advertiser). If you’re a frequent Hilton hotel and resort customer, this card should hit the spot. Not only does
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Is Ink Cash the Best Card for Your Business?

Updated: November 14, 2016 As anyone with a small or large business can tell you, there are a lot of expenses. A smart way to make these expenses work for you is to use a credit card that offers rewards for your purchases. The question is which
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American Express Blue Cash Cards Launch New Bonus

Updated: June 15, 2016 Note: This offer is no longer available Today American Express launched a limited time bonus for two of its cash back cards – Blue Cash Preferred from American Express and Blue Cash Everyday from American Express (a NextAdvisor advertiser). From now through June 15, 2016,
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Our Readers Weigh In: Best Balance Transfer Cards

Updated: February 1, 2017 Our completely free Balance Transfer Calculator has been used well over 1 million times! If you haven’t tried it out, we highly recommend it because it can help you decide which balance transfer credit card will save you the most money based on your unique situation.
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Starwood Preferred Guest Cards from American Express Launch New Bonuses

Editor’s Note: Effective 3/31/16 these special bonuses are no longer available Today American Express (a NextAdvisor advertiser) made the bonus on two of its Starwood Preferred Guest cards a lot juicier. Starwood Preferred Guest Credit Card from American Express has bumped its bonus up to 35,000 points after
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Best Credit Cards with No Foreign Transaction Fees

Updated: September 16, 2016 If you’re planning to travel outside the U.S., take a look at the credit cards you have in your wallet. It may come as a surprise, but many cards will charge you a percentage of your purchase (typically 2% to 3%) every time
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New: Discover Secured Card Review

Discover has recently launched a pretty stellar addition to its card lineup — the Discover Secured Card. Intended for those with past or current credit issues (or no credit history at all), this secured card can help improve your credit history with responsible use and on-time monthly payments,
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New: Bank of America Cash Rewards for Business Mastercard and Bank of America Travel Rewards World Mastercard for Business

Updated: November 11, 2016 Hot off the press, we’ve reviewed two Bank of America business cards — the Bank of America Cash Rewards for Business Mastercard and Bank of America Travel Rewards World Mastercard for Business. As indicated in the card names, one is offering cash back rewards and the other
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Best Credit Cards of 2016

Updated: February 23, 2017 Now is a great time to evaluate your credit card situation and take advantage of the terrific offers available. Within the last year, credit card issuers have introduced some of the best perks we’ve ever seen, including huge intro bonuses (up to $625!), 21-month 0% intro APRs
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Top 4 Credit Cards for New Yorkers

Updated: August 16, 2016 When you’re shopping for a credit card, it pays to consider how you’ll be using it. Getting the right card can help maximize your rewards, get you the best APR or put you in a smarter financial situation. Getting the wrong card can cost
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The Best 3 Credit Cards for Customer Satisfaction

Updated: December 1, 2016 These days credit cards are so convenient and readily accepted that most people use them on a daily basis. You can get a lot out of the right credit card, whether it be cash back, travel rewards or a lengthy 0% intro APR.
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Chase Freedom Offers 10% Cash Back at Amazon.com

Editor’s Note: As of Jan. 1, 2016, Chase Freedom – $150 Bonus no longer offers cash back in the categories listed below. Visit our Chase Freedom – $150 Bonus review to find out which categories currently earn cash back.  Hot off the press — from today through
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NEW: Barclaycard CashForward World Mastercard

Barclaycard has just launched the brand spanking new Barclaycard CashForward World Mastercard. It’s a cash back card with no annual fee that offers an unlimited 1.5% cash back on everything you buy. Getting a set cash back amount on every purchase is nice because you don’t have to worry about which category
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Chase Sapphire Preferred Launches Big Intro Bonus

Updated: July 29, 2016 If you like to travel, you’re in luck. Today our No. 1 ranked travel card, Chase Sapphire Preferred, launched its brand new intro bonus – 50,000 bonus points after spending $4,000 in the first 3 months. That’s equal to a huge $500 in cash or $625
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Chase Freedom Launches New Intro Bonus

Updated: Jan. 13, 2017 Chase Freedom today launched a $150 intro bonus after you spend $500 in the first three months. Plus, if you add an authorized user and make a purchase in the first 3 months you’ll get a $25 bonus. That’s $175 in total potential cash
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CitiBusiness / AAdvantage Select World Mastercard Improves Bonus

Editor’s Note: Effective 2/29/16 this offer is no longer available Citi has just improved the bonus on its CitiBusiness / AAdvantage Platinum Select World Mastercard (a NextAdvisor advertiser). For a limited time, you’ll earn 50,000 bonus miles after spending $3,000 in the first 3 months (up from a previous
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Bank of America Launches Susan G. Komen Cash Back Card

Updated: November 21, 2016 Bank of America recently launched a card that combines top-rated cash back rewards with contributions to the Susan G. Komen fund — the Susan G. Komen Credit Card. This card gives you all the great cash back rewards of the highly rated BankAmericard
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Citi Launches New Secured Credit Card

This week Citi launched a brand new secured credit card, targeted at those with poor or limited credit. Citi Secured Mastercard lets people with credit issues (or no credit history at all) get a card that can help them rebuild their credit by sending monthly updates on their account
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Best Credit Cards for Small Businesses

Updated: September 22, 2016 If you’re currently running a small business or planning to start one up, business credit cards can be a helpful tool to save both money and time. With extremely generous rewards like a $500 intro bonus and up to 5% cash back, these
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BankAmericard Credit Card Extends 0% Balance Transfer APR

Updated: June 1, 2016 Bank of America just extended its BankAmericard Credit Card 0% intro APR on balance transfers from 15 to 18 billing cycles. While you need to transfer your balance within the first 60 days of account open to qualify, this is pretty easily done as
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BankAmericard Travel Rewards Credit Card Improves Bonus

Updated: October 1, 2015 Bank of America has just improved the bonus offer on its BankAmericard Travel Rewards credit card. You’ll receive 20,000 bonus points after spending $1,000 in the first 90 days. Since 100 points equal $1 in travel credit, that’s equal to $200 in travel,
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Chase Freedom: Cash Back and More

Updated: Jan. 13, 2017 If you’re spending money without earning rewards, you’re doing yourself a disservice. There are a multitude of credit cards on the market today that offer all types of rewards, from travel to cash back, for using them. Effectively using a credit card to
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Credit Card + Bank Account = Extra Bonuses

Updated: June 8, 2016 Most reward credit cards on the market offer you rewards in the form of miles, points or cash back when you make purchases with the card. The reward amount you receive varies, but the concept is the same. But what if you could get
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Best Intro Bonus Credit Cards with No Annual Fee

Updated: October 20, 2016 If you’re in the market for a new credit card, or even if you’re “just looking,” it’s pretty likely you want a card with the best reward values you can get and no annual fee. The cherry on top would be a screaming hot
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Chase Sapphire Preferred: The Savvy Traveler’s Card

Updated: September 21, 2016 Whether you’re a world traveler or just want a quick weekend away, travel credit cards can get you there. They’re great for anyone who wants to earn free flights and hotel stays just for making the same purchases they would anyway. Basically, you
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Credit Cards with the Best Intro Bonuses

Updated: October 20, 2016 If you’re in the market for a new credit card that will reward you for the purchases you’re already making, you’re in luck. Right now credit card issuers are luring new customers with tempting introductory bonuses, some worth over $650! We’ve divided the intro
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Top 5 Signs You Need a New Credit Card

Updated: January 11, 2017 If you’re on the fence about whether a new credit card is in your future, it’s time to seriously consider one. Even though it may seem advantageous to stick with the credit cards you already have, you could be doing yourself a disservice. There
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Discover Offers Double Cash Back Your First Year

Updated: Jan 6, 2017 Today Discover cash back cards began offering a terrific new feature – double cash back.  At the end of their first year, several Discover cards will double the cash back you’ve earned in the first 12 months of card ownership. So if you earned
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Chase Slate Adds No Penalty APR Feature

Chase Slate, our No. 1 ranked Balance Transfer card, just added a great new feature. Now cardholders will no longer see their interest rate increase if they pay late for any reason. Many cards impose a penalty APR after just one late payment, but Chase Slate will
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2015 Travel Rewards Credit Card Analysis Results

Earning points and miles with a travel rewards credit card can be confusing. How can you know how much these rewards are actually worth? We’ve decided to take the guessing out of travel rewards by investigating the value of major travel rewards cards. Our 2015 Travel Rewards
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Discover Freeze it Helps Keep Your Card Safe

Updated: Feb. 7, 2017 If you’ve been watching TV in the last couple of weeks, you’ve probably seen a commercial for the cool new Discover Freeze it feature. It lets current Discover cardholders quickly and temporarily “freeze” their card account using their computer or smartphone app, thereby
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Citi Simplicity: The 21 Month 0% Intro APR Card

Updated: February 1, 2017 Do you need to make a large purchase, but are worried about being able to pay it off in a timely manner? Or are you already paying interest on credit card balances that you can’t pay off right away? Consider the Citi Simplicity
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Citi Hilton HHonors Reserve Card Offers $100 Bonus

Editor’s Note: Effective 3/31/16 this special bonus is no longer available For a limited time the Citi Hilton HHonors Reserve Card will be offering new customers a $100 bonus. To get the bonus you just need to spend $100 or more on your first hotel stay in the Hilton
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Pay No Interest Until 2017 With These Credit Cards

Updated: April 27, 2016 If you’re carrying a balance on a high-interest credit card or you need to make a purchase that you can’t pay off for a while, you could be throwing money away. Right now there are credit cards available that feature absolutely zero interest payments
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Citi 0% APR Just Increased to 21 Months

Updated: September 3, 2016 Citibank (a NextAdvisor advertiser) has just increased the 0% introductory APR period on their two most popular 0% APR cards – Citi Simplicity and Citi Diamond Preferred – from 18 months to an incredible 21 months. This is the longest no-interest APR intro
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Blue Cash Preferred from American Express – the Right Cash Back Card for You?

Updated: February 23, 2017. There are a lot of great options for cash back credit cards right now, offering very compelling cash back rates and lucrative intro bonuses. But the one card that comes out on top in our analysis of the average person’s spending pattern is
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Top 7 Cards for Less-Than-Perfect Credit

Updated: January 19, 2017 If you’ve hit a few bumps in the road when it comes to your credit history, you’re not alone. It’s pretty common to miss a payment or two, or make other credit-related mistakes. The good news is that no matter what your credit history,
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Chase Slate: Your Best Bet for Balance Transfers?

Updated: February 1, 2017 There are a lot of balance transfer credit cards out there, designed specifically for anyone who is carrying a balance on their credit card and paying high (or any) interest fees each month. In fact, there are so many it can be challenging to
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Pay $0 Interest on Your Post-Holiday Balance Transfers

Updated: August 9, 2016 With the beginning of a new year, post-holiday financial hangover can set in. Shopping for all those gifts and vacations certainly is fun, but paying for them isn’t. If you need some time to pay down your balances, balance transfer credit cards are
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Best Credit Cards for 2015

Updated: December 7, 2016 Whether you’ve got a balance you can’t fully pay off from some big purchases, are looking to earn some extra rewards or want to save up for that vacation, getting the right credit card can easily save you hundreds or thousands of dollars.
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Chase Freedom Offers $200 Bonus

EDITOR’S NOTE: THIS OFFER HAS EXPIRED AND IS NO LONGER VALID. Just in time for the holiday season, Chase Freedom is offering a limited-time $200 intro bonus after spending $500 in the first 3 months of card ownership. That’s a pretty hefty bonus just for making your
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Credit Cards with the Best Intro Bonuses

Updated: March 31, 2016 Credit card issuers want your business, and to get it they’re offering some fairly spectacular introductory bonuses, like $440 in statement credits and $950 worth of airline miles. Even if you’re not in the market for a new credit card, these generous bonuses might
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Get Paid to Transfer Your Credit Card Balance

Editor’s Note: The Barclay Mastercard – 1% Back on Balance Transfers card is no longer being offered.  If you’re carrying a balance on a high-interest credit card, you’re paying needless interest fees each month. You can save yourself some money by transferring that balance to another low-or-0%-APR
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2x Savings Catcher from American Express Bluebird and Walmart

American Express and Walmart have teamed up to bring you an alternative to checking and savings accounts that can help earn you a little extra cash. American Express Bluebird is similar to a prepaid card, but with tons of extra features and functionality that you can learn
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Top 3 Credit Cards With Most Satisfied Customers

Updated: October 20, 2016 Are you satisfied with your credit card company? Customer satisfaction is an important concept when it comes to credit cards, because it typically influences how much you use your card, and if you prefer to use one card versus another. A favorable customer
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Best No-Fee Credit Cards

Updated: January 5, 2016 These days it seems like every product or service has hidden fees, from mobile phones to financial services. These fees are often “gotchas” for consumers who assume they are only paying a certain amount and later find they owe more than they anticipated.
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Citi Double Cash Card – 18 month BT offer: New Cash Back Card on the Block

Updated: February 23, 2017 The Citi Double Cash Card – 18 month BT offer (a NextAdvisor advertiser) is Citi’s attempt to be a major player in the cash back credit card game. In recent years Citi has had great 0% Intro APR cards but has not been able
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Showdown: AmEx Bluebird vs AmEx Serve

Prepaid cards are becoming increasingly popular and appealing to a broader range of customers by offering better features and functionality. Convenience-wise, they can be used in physical stores and online just like debit cards or credit cards and many people appreciate no credit check is required to obtain
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The Plum Card From AmEx OPEN Limited Time Offer

Editor’s Note: This offer is no longer available, but you can see the current offer here: The Plum Card for American Express OPEN. To see the current The Plum Card from American Express OPEN (a NextAdvisor advertiser) just launched a new limited time promotion – get up
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2014 Travel Rewards Credit Card Analysis Results

Ever wondered how much those miles/points you’re accruing with your travel credit card are really worth? Wonder no longer – we have the skinny on which cards give you the most bang for your buck and which cards fall short. We carefully researched the top travel rewards
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Pay No Interest Until 2016 With These Credit Cards

Updated: March 17, 2016 Stop wasting money on interest fees! If you’re carrying balances on high-interest credit cards or you need to make a purchase that you won’t be able to pay off right away, there’s no need to waste money paying interest. In fact, you can avoid
[Read More]

Best Credit Cards For International Travel

Summertime is here, which typically means travel and vacations. If you’re planning on travelling abroad for fun or business, don’t be caught short with a credit card that isn’t accepted.  Europe and other countries outside the U.S. generally require your credit card to have a type of
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Capital One Venture Rewards Card Improves Intro Bonus

Updated: September 18, 2015 Capital One® Venture® Rewards Credit Card launched a new introductory offer this week — 40,000 bonus miles when you spend $3,000 in the first 3 months. The bonus is a generous one, equal to $400 in travel, and is complemented by Venture’s unlimited reward earnings
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Get A Free Vacation With Credit Card Intro Bonuses

Updated: March 31, 2016 Summer is right around the corner, and you’re dreaming of a beach vacation somewhere. The only problem is how to pay for it. Don’t worry – we’ve got you covered! These days if you have good to excellent credit you can qualify for credit
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Best Cards With No Balance Transfer Fees

Updated: September 14, 2015 Are you carrying a balance on one or several credit cards? If so, transferring your outstanding balances to a credit card with a 0% introductory APR or low ongoing interest rate can be a real money saver. A 0% intro APR period typically
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New: Amex Everyday and Amex Everyday Preferred Cards

By now you’ve probably seen the Tina Fey commercial where she’s out doing errands (funny errands, of course!), and she’s using her Amex Everyday Credit Card (a NextAdvisor advertiser) to pay for her purchases. The newly-launched Amex Everyday Credit Card and its sister card the Amex Everyday
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Bigger Cash Back Bonus: Blue Cash Preferred & Blue Cash Everyday from Amex

American Express (a NextAdvisor advertiser) just improved the cash back bonus for both the Blue Cash Preferred from American Express and the Blue Cash Everyday from American Express.  Effective today, if you sign up for the Blue Cash Preferred from American Express card you’ll get a whopping $150 bonus
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Earn a New GM Car!

Are you yearning for a new Chevrolet, Buick, GMC or Cadillac car? The BuyPower Card from Capital One will help get you in the driver’s seat of a new one sooner than you think. Each time you use the card to make a purchase you’ll earn rewards that can
[Read More]

Best Cash Back Credit Cards

Updated: July 20, 2016 We’ve all seen the commercials for cash back credit cards where they pitch how much money you’ll make once you have their particular card in your wallet. It’s important to know that although a card can sound good on TV (or the radio),
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Top 3 Reasons To Get A New Credit Card

UPDATED: Jan. 13, 2017 Thinking about getting a new credit card, or just looking?  We’ve put together the top reasons you should acquire a new card as well as the best cards out there. #1. EARN REWARDS FASTER THAN YOUR CURRENT CREDIT CARD It’s likely you haven’t been
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Don’t Get Ripped Off By A Prepaid Card

Prepaid cards are an easy and convenient method of paying for purchases. Available almost everywhere – you can easily pick one up at your local convenience store or gas station – they are a great alternative to credit cards and cash. But how they work and the
[Read More]

Best Credit Cards for 2014

Updated: Dec. 7, 2016 There are many, many credit cards out there, all vying for your business. The problem is it can be a little overwhelming – not to mention time consuming – to determine which ones are the best. Luckily we’ve done the research for you, comparing the
[Read More]

Best Smart Chip Cards with No Foreign Transaction Fees for Use in Europe

Smart chip, or Chip-and-PIN technology, is a hot buzz word these days for credit cards. The technology is becoming increasingly prevalent in Europe, and if your card doesn’t have a smart chip you may not be able to use it when you travel abroad. Additionally, if a
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Pay No Interest On Your Post-Holiday Credit Card Balance

Updated: August 4, 2016 The holiday season has come to a close and if you’re like most people you’ve spent more than you should have. Overspending during this time of year is common, but it can cause a post-holiday financial hangover when you can’t pay off your
[Read More]

$100 Restaurant.com gift card with Vonage subscription!

Vonage is offering lucky new subscribers a $100 Restaurant.com gift card for signing up online for a Vonage calling plan*. That means you can literally have your cake and eat it too! There’s a Vonage calling plan for everyone’s needs, but this special offer is only running for a limited time
[Read More]

Top 5 No Interest Credit Cards for Holiday Shopping

Getting in the holiday spirit?  For many this time of family, friends and giving means opening their pocketbook. It’s fun to shop for others (and for yourself too), but sometimes folks go a little overboard in their buying enthusiasm. Although we never recommend carrying a balance due
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Top 7 Credit Card Offers For Those With Excellent Credit

Updated: February 23, 2017 Do you have excellent credit? If so, banks are actively looking to win you as a new credit card customer by offering some unprecedented deals. Although banks have been more careful about acquiring customers with questionable credit since the 2008 Financial Crisis, they
[Read More]

Best Cards for 2013 Holiday Shopping

Thanksgiving is creeping up on us, sounding the alarm that it’s that time of year again — time to start shopping for the holiday season. Luckily, many cash back credit cards update their reward policies at the end of the year to make them more geared to
[Read More]

$20 Visa Gift Card When You Sign Up for Vonage

Today Vonage is offering a terrific promotion – sign up for a Vonage calling plan online and you’ll get a $20 Visa gift card. Vonage calling plans are a great way to save money, and Vonage World is the perfect way to call in the US or
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Get a $20 Walmart Gift Card When You Sign Up for Vonage

Vonage is launching a limited time offer –  you’ll receive a $20 Walmart gift card when you sign up online for Vonage World or any of the other Vonage plans*.  With Vonage World you’ll enjoy unlimited(1) local calling in the U.S. and long distance calling to landlines
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Turned Down for a Credit Card? You Can Still Get One!

UPDATED: April 22, 2014 Being turned down for a credit card can be a frustrating situation. Especially if you feel like you have okay credit and don’t understand what happened. Never fear though – there are still some great options available to you, even if your credit
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Best Credit Card for Average Credit

Have you always considered yourself to be in the middle of the credit score spectrum? Maybe you don’t have excellent credit, but you don’t have bad credit either? We have the solution—credit cards developed specifically for those with average or limited credit. These cards offer many of
[Read More]

Pay No Interest Until 2015 With These Credit Cards

[UPDATED: March 17, 2015] High-interest credit cards dragging you down? You’re in luck – credit card companies are now wooing customers with credit cards featuring long introductory interest-free periods, up to 18 months.  This means you can buy something today, not pay it off, and still not
[Read More]

How Do I Redeem My Miles With The Barclay Arrival Plus World Elite Mastercard?

Q: How do I redeem my miles with the Barclay Arrival Plus World Elite Mastercard? A:  The Barclay Arrival PlusTM World Elite Mastercard® (Earn 2x on All Purchases) makes it easy to redeem your miles for flights, hotels, car rentals or even statement credits. Cardholders earn 2 miles
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Can I Direct Deposit My Paycheck Onto a Debit Card?

Q:  Can I direct deposit my paycheck onto a prepaid debit card? A:  Most of the prepaid debit cards we review let user direct deposit their paycheck free of change. There are several advantages to this, including convenience and the speed with which you get your paycheck
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Which Secured Credit Card Is Best for International Travel?

Q:  Which secured credit card is best for international travel? A:  The Capital One® Secured Mastercard® is a great card for traveling outside the U.S. because it does not charge any foreign transaction fees. A foreign transaction fee is a charge that many credit card issuers add onto
[Read More]

Free 1-Year of Trusted ID MailStop Shield Service

Now through the end of March 2013, Trusted ID is exclusively offering NextAdvisor readers a free 1-year subscription to their MailStop Shield service when they sign up for Trusted ID via any link on the NextAdvisor site. After signing up for Trusted ID from the NextAdvisor site, you’ll be emailed
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Lifelock Coupon Code 15% Discount

NextAdvisor readers can take advantage of a limited-time 15% discount and 30-day free trial on LifeLock and LifeLock Ultimate, bringing the price down to $7.79/month (w/annual prepay) for LifeLock and $19.48/month (w/annual prepay) for LifeLock Ultimate.  This 15% off discount is only being offered through April 15,
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Will Credit Monitoring Services Let Me Know When My Social Security Number Is Used?

Q:  My soon-to-be-ex keeps getting credit cards in my name. I don’t know anything about them until they go into collection. Will Identity Guard let me know every time my social security number or my info is used to get credit? A:  Yes, Identity Guard will let
[Read More]

Which Credit Cards Have No Foreign Transaction Fees?

Q: Which credit cards have no foreign transaction fees?  I’m going to be traveling out of the country and need to know. A:  A number of credit cards we review offer no foreign transaction fees, which means you can use these cards to pay for purchases outside of
[Read More]

NextAdvisor.com Releases Reviews for Email Marketing Services

SAN FRANCISCO, Jan. 30, 2013 –/PRNewswire/ — NextAdvisor.com, a leading consumer and small business information web site, announced today the launch of its new email marketing category, providing in-depth, independent reviews and comparisons of the best email marketing services. NextAdvisor’s editors tested and reviewed eight of the top services to determine
[Read More]

How Do Credit Card Cash Back Limits Work?

Q:  After I have reached the $1,500 on groceries and gas limit on the BankAmericard Cash Rewards credit card, will I get 1% on on the remainder of gas and groceries I continue to purchase? A:  The BankAmericard Cash RewardsTM  credit card offers its users 3% cash back on
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Does LifeLock Monitor All 3 Credit Bureaus?

Q:  Does LifeLock monitor fraud at all three credit bureaus?  When I sign up, will I be able to see my 3 credit reports online or will they be mailed to me? A:  The basic LifeLock plan does not provide 3-bureau credit monitoring, however, the more advanced
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Do Identity Theft Protection Services Freeze Your Credit Reports?

Q:  Do identity theft protection services like Identity Guard put a freeze on your Equifax, Experian and TransUnion credit reports?  I’m going to be applying for a loan and need to make sure potential lenders have access to my credit reports. A: The identity theft protection services
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NextAdvisor.com Releases 2013 Diet Taste Test Results

SAN FRANCISCO, Jan. 15, 2013 /PRNewswire/ — NextAdvisor.com, a leading consumer information web site, has announced the results of its 2013 diet meal delivery taste test. Meal delivery diet programs are convenient and offer an easy-to-follow meal regimen for people who want to get on track to a healthier lifestyle. While
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How Does a 0% Intro APR Work on Balance Transfer Cards?

Q:  How does a 0% intro APR work for Balance Transfer credit cards? What happens if I have a balance remaining after the 0% APR period? Do I have to pay accrued interest, or does the interest start to accumulate from that point on? A:  The way
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How can I get cash back for superstore, warehouse and Costco purchases?

Q: Are Walmart, Costco and Fred Meyer considered superstores and excluded from the Blue Cash Everyday from American Express cash rewards program? A: Good news – the Blue Cash EverydaySM card from American Express (a NextAdvisor advertiser) earns its users 1% cash back for all superstore and warehouse club purchases
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Will credit report monitoring help dispute credit report errors?

Q:  Will a credit report monitoring service help me dispute errors on my credit report? A:  Some credit report monitoring services, like Identity Guard, provide links to let you dispute errors on your credit report. Identity Guard also clearly describes how to file a dispute (and with
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Serve by American Express prepaid card review: NEW

American Express has launched its new Serve® by American Express (a NextAdvisor advertiser) prepaid card and we’ve just posted our (very favorable) review.  In fact, Serve garnered top place in our Prepaid Card category due to it’s free signup, free monthly fees, and free loading from linked bank
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How To Get Cash Back for Paying the Mortgage and Utilities

Q: Can I get cash back with the TrueEarnings card for paying the mortgage, utilities, doctors and dentists? A:  Yes, the TrueEarnings® Card from Costco and American Express (a NextAdvisor advertiser) earns it’s cardholders 1% cash back when they use the card to pay for the mortgage, utility bills, and doctor
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Best Credit Card for Football Lovers

Football lovers, rejoice. The new NFL Extra Points Credit Card rewards users for buying the football gear they crave—2 points for every $1 spent on NFL or team purchases. They’ll also get a generous 20% off every purchase at NFLShop.com, or $20 off every $100 spent. And don’t worry, it’s not
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How often can I look at my credit report with Identity Guard’s service?

Q: If I sign up with Identity Guard, how often can I look at my credit report? A:  You’ll be able to look at your 3-bureau credit reports online as many times as you want—all you need to do is sign in to your Identity Guard online
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What Are the Phone Numbers of Equifax, Experian and TransUnion?

Q: How do you get the phone numbers of the top 3 credit agencies? A.  Although the 3 credit bureau like to do most of their consumer business online, they do have 800 numbers for customer service. You can reach them at the following phone numbers. Equifax:
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What credit cards have a 0% intro rate on purchases and balance transfers with NO balance transfer fee?

Q:  What credit cards have a 0% intro rate on purchases and balance transfers with NO balance transfer fee? A:  The Slate® from Chase card offers both a 15-month, 0% introductory rate on purchases and balance transfers AND no balance transfer fee. This combination of features makes it
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Best Credit Cards for Business

It makes good sense for business owners (and their employees) to have a credit card specifically for business. Using a personal credit card for business purposes can make accounting more challenging, as business spending should always be kept separate from personal spending. In addition, if you have
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NextAdvisor.com Announces Balance Transfer Calculator

SAN FRANCISCO, Oct. 26, 2012 /PRNewswire/ — NextAdvisor.com, a leading consumer and small business information web site, has announced the launch of their Balance Transfer Calculator. This independent calculator automatically estimates the total finance charges and other fees consumers can expect to pay after transferring existing credit card balances onto popular balance transfer
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Does the Citi Simplicity Card 0% APR Apply to One Purchase or Multiple Purchases?

Q:  Does the Citi Simplicity Card 0% intro APR apply to one purchase or multiple purchases?  We are starting a business and need some assistance with building supplies and equipment, so if several purchases are made would they qualify for the 18-month 0%APR? A:  The Citi Simplicity® Card features
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Best LifeLock Promo Code –15% off & 30 Days Free

LifeLock is offering an exclusive deal to NextAdvisor readers—15% off and 30 days free (Promo Code: next1530). This discount applies to both LifeLock and LifeLock Ultimate, but it’s only available until November 23, 2012 (otherwise known as Black Friday). The 15% discount brings the price of LifeLock down
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Save Money in 10 Seconds with OurNew Balance Transfer Calculator

Do ongoing high credit card payments have you down? A great way to save money is by transferring balances from high-interest credit cards onto a special balance transfer credit card. These cards usually have an introductory 0% APR period for balance transfers that will help you keep your interest payment
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How to Remove a Charge Off From Your Credit Report

Q: What is a charge off? How can I remove it from my credit report? A: A charge off on your credit report indicates that a previous debt has been cancelled by the creditor, and that the creditor has reported that debt as a loss. A creditor
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Netflix, Hulu or YouTube? The Best Service For Video Streaming

SAN FRANCISCO, Oct. 9, 2012 – /PRNewswire/- NextAdvisor.com, a leading consumer and small business information web site, announced today the launch of its new Online Video and DVD Rental category, providing in-depth, independent reviews and comparisons of the best sites for streaming, downloading and renting DVDs of the top movies and TV
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Will Canceling an Old Credit Card Hurt My Credit Score?

Q:  One of my credit card companies wants to cancel a dormant credit card that I have not used in over 3 years. Should I cancel the card myself or should I let them cancel it? I don’t want to hurt the credit score that I have
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How to Protect the Deceased from Identity Theft

Q: My wife recently passed away, should I protect her identity with an identity theft protection service?  I have been told that a dead person’s info is quite vulnerable. A:   We’re very sorry to hear of your loss. Although this is a painful time, you’re doing
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Can I Apply for the Discover More Balance Transfer Card If I Don’t Have a Balance to Transfer?

Q: Can I apply for the Discover® More Balance Transfer card even if I do not have a balance to transfer? A:  Yes, you can apply for the Discover® More – Balance Transfer card even if you do not plan on transferring a balance. It’s a great card, offering a 0%
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Is the Applied Bank Secured Visa Gold Card A Credit Card or a Debit Card?

Q:  Is the Applied Bank Secured Visa Gold card a credit card or a debit card? A:  The Applied Bank® Secured Visa® Gold card is a secured credit card. It looks and operates just like a regular credit card, but is secured by funds you deposit.  These
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How Many Accounts Does an Identity Theft Protection Service Protect?

Q:   How many of my bank accounts, credit cards, ATM bank cards and Motor Club cards does ProtectMyID cover? What do you charge to cover both husband & wife? A:   ProtectMyID proactively scans the Internet black market for your Social Security Number and up to 3
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Which Credit Card Has No Balance Transfer Fee?

Q:   I want to transfer my balance from my American Express card to a credit card with NO balance transfer fee.  Which cards offer this? A:  Although there are many Balance Transfer credit cards out there, most will charge a fee to transfer your balance. This fee
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Can You Pay Your Bill Online with the Citi Simplicity Card?

Q:  Can you pay your bill online with the Citi Simplicity card? A:  Yes, the Citi Simplicity® Card lets you easily pay your bill and manage your account online. Once you are approved for the card you’ll have 24/7 access to your account online and from your mobile
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Should I Sign Up for anIdentity Theft Protection Service if I’veAlready Set Up Fraud Alerts?

Q:  I already have a fraud alert on all 3 credit companies – should I still sign up for an identity theft protection service? A:  A fraud alert is a good idea if you’re worried about someone illegally opening a credit account under your name. But a
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Do Credit Report Monitoring Services Show Your Complete Credit Report History?

Q:  I am looking for a service that shows all 7 years of each reporting agency. Does TrustedID show all 7, or do they only report the last 2 years. A:   When you sign up for TrustedID’s credit report monitoring service you’ll be able to see
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How Do You Earn Points with the Capital One Venture Rewards Card?

Q:  Does the Capital One® VentureSM Rewards Card require you to buy from certain stores or stay in specific hotels in order to earn points? A:  Good news – the Capital One® VentureSM Rewards Card lets you earn points on every purchase – not just those from certain stores or specific
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How Do Starwood Starpoints Work?

Q:  I don’t quite understand the redemption of Starwood Preferred Guest® Credit Card from American Express Starpoints.  If I spend $10,000 will get 10,000 miles for traveling everywhere except United and Continential? A:  The Starwood Preferred Guest® Credit Card from American Express (a NextAdvisor advertiser) Starpoints awards program
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Does Identity Theft Protection for the Entire Family Make Sense?

Q:  I have 2 children and I’m a single parent, does it make sense to get family protection? My kids are 10 and 2. A:  It’s an excellent idea to protect your entire family from identity theft. Although it may seem far-fetched, child identity theft is very
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Does the Chase Slate Card Offer Rewards?

Q: Do you earn points from purchases, gasoline or groceries with the Chase Slate – No Balance Transfer Fee card? A:  The Chase SlateSM – No Balance Transfer Fee credit card is primarily intended for balance transfers, so it doesn’t offer points or cash back rewards for purchases.  Instead
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Can I Cancel PrivacyGuard Credit Monitoring Whenever I Want?

Q:  Can I cancel PrivacyGuard at any time if I sign up for the monthly monitoring service at $14.95 per month? A: Yes, you can cancel PrivacyGuard credit reporting monitoring whenever you want, whether it is during or after the trial period.  If you cancel during the
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NextAdvisor.com Announces Launch Of Mac Security Software Category

SAN FRANCISCO, Aug. 8, 2012 /PRNewswire/ — NextAdvisor.com, a leading consumer and small business information website, announced today the launch of its new Mac Internet security software category, providing in-depth, independent reviews and comparisons of the best security software suites for Mac OS X. NextAdvisor’s editors downloaded
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Can You Book Flights Through Discount Travel Sites with the Capital One Venture Card?

Q:  If you book your flight through a discount travel site like Expedia, can you use your Capital One Venture Rewards Credit Card miles by adding two zeros to the cost for the amount of miles necessary? A: Yes, you can book travel through discount travel sites like Expedia,
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Does the Citi Simplicity Card Offer an Interest-free Period?

Q:  Does the Citi Simplicity card offer an interest-free period for new members?  I want to go on a trip that will cost me $5,000 but would like to pay it off in 6 to 8 months with no interest.  A:  Yes, the Citi Simplicity® Card does offer
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How Can I Redeem My Citi ThankYou Preferred Card Points for Airline Tickets?

Q:  How can I redeem my Citi ThankYou Preferred Card points for airline tickets? A:  With the Citi ThankYou® Preferred Card cardholders can spend the points they earn on a variety of travel including flights, hotels, cars, travel packages and activities.  To do so you need book your travel online via
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What Do Credit Scores Like 598, 657 and 728 Mean?

Q: How do I evaluate credit scores like 598, 657 and 728? A:  To evaluate credit scores, you need to know four things; 1.  The credit score model (or brand name) 2.  Which of the 3 bureaus the score is from 3.  When the score was pulled (the date)
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NextAdvisor.com Announces Launch Of Online Stamps Category

SAN FRANCISCO, July 18, 2012 — /PRNewswire/ — NextAdvisor.com, a leading consumer and small business information web site, announced today the launch of its new online stamps category, providing in-depth, independent reviews and comparisons of the best online stamps services. NextAdvisor.com’s editors tried out the three top services to determine which
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Can I Get Multiple Employee Cards with the Chase Ink Cash Business Card?

Q:  With the Chase Ink CashSM Business Card would I be able to apply for the corporate card and have three cards provided for three different employees? A: Yes, once you have applied and been approved for the Chase Ink CashSM Business Card you are eligible to receive free additional
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Find the Best Cash Back Credit Card for You

There are many, many credit cards out there that offer cash back rewards just for using them. They all look great – I mean who doesn’t like extra money for making purchases you would have made anyway – but sometimes it can be confusing to determine which
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Does Identity Guard Provide Access to My Credit Reports and Scores?

Q: Does Identity Guard include access to viewing my personal credit reports, not just my credit scores? A: Yes, when you sign up for Identity Guard Total Protection® you’ll receive a 3-bureau credit report and quarterly updates to this report thereafter. You’ll also get your credit scores from
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Are There Any Foreign Transaction Fees on the Citi Simplicity Credit Card?

Q:  Are there any foreign transaction fees on the Citi Simplicity® Card credit card? A:  Yes, the Citi Simplicity® Card card does charge a fee for using the card outside of the U.S. The foreign transaction fee is 3% of the U.S. dollar amount of each purchase. We do love
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NextAdvisor.com Announces 2012 Cash Back Credit Card Analysis

SAN FRANCISCO, June 22, 2012 /PRNewswire/ — NextAdvisor.com, a leading consumer information web site, has announced the results of its 2012 Cash Back Credit Card Analysis.  This independent analysis researched leading cash back credit cards to determine which cards earned users the most cash back rewards based on a typical consumer’s spending.
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Does TrustedID Provide Lost Wallet Protection?

Q: Does TrustedID provide lost wallet protection? A:  Yes, TrustedID IDEssentials features lost wallet protection. As part of their highly-rated identity theft protection service members can store their important information with TrustedID — credit and debit card numbers, insurance information, and more. If your wallet is lost or
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NextAdvisor Releases 2012 Cash Back Credit Cards Analysis

NextAdvisor has announced the results of its 2012 Cash Back Credit Card Analysis. Our independent analysis researched major cash back credit cards to find out which ones offer average users the greatest cash back rewards. Twelve cards made the final list, and the winner was the  Blue Cash
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What Credit Card Has the Lowest Bank Fees for International Purchases?

Q:  What credit card has the lowest bank fees for international purchases? A:  Several of the Capital One® credit cards reviewed on NextAdvisor have no foreign transaction fees, but our favorite is shown below. No foreign transaction fees means you won’t pay an additional fee for making
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LifeLock 15% Discount

LifeLock is offering a limited-time 15% discount on their products—LifeLock and LifeLock Ultimate—when you sign up from NextAdvisor. Get it while it’s hot, because this special expires July 13th, 2012. The only caveat is that the 15% discount doesn’t include a 30-day free trial. If you’d like
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What Is Considered an Average Credit Score?

Q:  What is considered an average credit score? A:  An average credit score varies by the credit score provider because each provider has their own method of calculating a credit score and some use different score ranges. In general, the higher your score the lower the credit risk
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Disney’s Premier Visa Credit Card from Chase: New Review

We’ve just gotten our first look at the credit card for Disney lovers: Disney’s Premier Visa® Card.  If you enjoy all things Disney and like to travel, this Chase credit card will be right up your alley. Cardholders earn 2% in reward dollars on purchases at gas stations,
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How Should Married People Order Credit Reports?

Q:  How should married people order credit reports? A:  Although you are married, you each have your own individual credit report and you will each need to order your credit reports separately. That’s because credit reports are based on credit information pertinent to a single person. If
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Can I Use the AppliedBank Secured Visa Gold Card Internationally?

Q: I will be traveling to Australia in July, could I use the AppliedBank Secured Visa Gold Card there? How would I deposit funds for the card? A:  Yes, you can use the AppliedBank® Secured Visa® Gold Card in Australia. According to the card agreement, cardholders are able to
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Why Is My Credit Score Lower Than Last Year?

Q:  I received a copy of my credit report last year and the score was 761. I have not applied for credit anywhere, but a year later my score was 448.  What made my score drop so low? A:  It’s definitely possible for a credit score to
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What Is a Good Credit Card for a 21 Year Old Trying to Establish a Credit History?

Q:  Is the Orchard Bank Mastercard a good choice for someone who is trying to establish credit? I have a 21 year old who would like to apply for a credit card to get credit established. A:  The Orchard Bank Mastercard is a good choice for helping to establish
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Do Identity Theft Protection Plans Protect My Credit Cards Too?

Q:  If I subscribe to an identity theft protection plan, do I still need to maintain my current monthly protection for each credit card or will those cards be covered with one of these plans? A:  I’m not sure what credit card protection service you’re currently paying for,
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Will the Orchard Bank Credit Card Help Improve My Credit?

Q: Will the Orchard Bank credit card help improve my credit? A:  Yes, the Orchard Bank credit card can help improve or rebuild your credit history but you’ll have to do your part too. By reporting your credit card payment history to all 3 credit bureaus, Orchard
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NextAdvisor.com Announces Launch of Photo Card and Invitation Reviews

SAN FRANCISCO, April 24, 2012 /PRNewswire/ — NextAdvisor.com, a leading independent review site for online services, today announced its new custom photo cards and invitations category, where the site’s editors review nearly a dozen major players in the market for personalized holiday cards, party invitations, graduation announcements, wedding stationery,
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Does Credit Report Monitoring Affect Your Credit Score?

Q:  Once I enroll in Identity Guard, will daily checking affect my scores?  A: Daily credit report monitoring will not affect your credit scores. Neither will getting your own credit scores. This is because Identity Guard TOTAL PROTECTION® is acting on your behalf (and not as a
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Does Identity Guard Monitor Checking and Savings Accounts?

Q:  Does Identity Guard monitor checking and savings accounts and notify members if any questionable activity is seen? A:  Identity Guard TOTAL PROTECTION® does monitor for potential fraud activities involving your registered bank account numbers on a daily basis. If suspicious activity is seen you will be alerted
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How Can Someone New to the U.S. Build Credit History?

Q:  I have recently returned to the U.S. after living in Canada for 35 years. I now find that I virtually have no credit rating, even though I have plenty of assets (home/car etc.) and good retirement income. I keep being turned down for the simplest things
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How Often Can I See My Updated 3-Bureau Credit Report?

Q:  How often can I view my actual updated credit report from all 3 bureaus with Identity Guard? A:  When you sign up for the Identity Guard TOTAL PROTECTION® free 30-day trial, you’ll receive a joint 3-bureau credit report that you can view and print online. After this initial
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NextAdvisor.com Reviews Online Legal Services

SAN FRANCISCO, April 5, 2012 /PRNewswire/ — NextAdvisor.com, a leading consumer and small business information web site, today announced the launch of its new legal services category, providing in-depth, independent reviews and comparisons of the best online legal services. NextAdvisor’s editors tried out six different services in order to determine which provides
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Will an Identity Theft Protection Service Prevent a Lender from Getting Information?

Q:  I am in the process of refinancing my home. I completed and submitted the applications, giving my social security number and other important information. I decided not to go with that Broker and now I am concerned about the information I provided. Will identity theft protection make it
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1.5 million Visa, Mastercard and Discover account numbers stolen

In an update to our previous post about the security breach at Global Payments, this morning the credit-card processor reported that 1.5 million Visa, Mastercard and Discover account numbers were stolen. The breach did not include cardholder names, addresses and social security numbers – just account numbers. Since the
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Visa and Mastercard Warn Banks of Security Breach

Credit card processor Global Payments was hit by a security breach putting an estimated 50,000 Visa and Mastercard cardholders at risk, according to a report filed by the Wall Street Journal today. Visa and Mastercard began warning banks of the breach last week, and the estimated timing
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Can TrustedID Help Protect My Computer from Hackers?

Q:  I’m having a great deal of problems with a person who gains access to my computer. The person is using remote access and logging on to my computer, without my permission. This is a ongoing problem. Can TrustedID help with privacy invasion? A:  Yes, TrustedID can
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Do Capital One Venture card miles correlate to airline frequent flyer awards?

Q:  If I use the Capital One Venture card, will my miles earned correlate to any airline frequent flyer rewards? As example, American Airlines charges 65,000 miles to fly to HKG. Would I be able to use 65,000 points from my Capital One card to achieve this exact same
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NextAdvisor.com Announces 2012 Travel Rewards Credit Card Analysis

SAN FRANCISCO, March 13, 2012 /PRNewswire/ — NextAdvisor.com, a leading consumer information website, has announced the results of its 2012 Travel Rewards Credit Card Analysis. This independent analysis surveyed major travel reward credit cards to determine the real value of the rewards users earn. Fourteen different credit cards were included, and first place
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NextAdvisor Releases 2012 Travel Rewards Credit Card Analysis

NextAdvisor has announced the results of it’s 2012 Travel Rewards Credit Card Analysis. The purpose of this analysis was to weed through the confusion around travel credit card rewards and determine the point value of popular travel cards. To do so we researched 14 well-known travel credit
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Can I redeem Blue Cash Everyday from American Express reward dollars for cash, or only for statement credits?

Q:  Can I redeem Blue Cash Everyday from American Express reward dollars for cash, or only for statement credits? A: Blue Cash EverydaySM from American Express users are not able to get physical cash for their rewards, instead they can apply their earnings to their statement in the form of
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When credit report monitoring services send an alert, once the credit report has been corrected will the alert be removed too?

Q:  When a consumer is notified by a credit report monitoring service that something negative has been found on their credit report, once the negative item has been removed will the alert also fall off of their monitoring report? A:  Credit report monitoring services monitor key changes
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Does Identity Guard provide all three ACTUAL credit scores or just a simulation?

Q:  Does Identity Guard provide all three ACTUAL credit scores or just a simulation of what your credit score would be? A:  Our top-rated Identity Guard TOTAL PROTECTION® does provide 3 actual credit scores upon sign up, one from each of the 3 credit bureaus—Experian, Equifax and
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How To Get Your FICO Score

FICO credit scores are considered by many to be the “gold standard” of the credit score world. In fact, creditors often use FICO® Scores to help evaluate an individual’s creditworthiness when they apply for a loan. If you’re interested in seeing what your FICO® Score is, you can
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If I sign up for Identity Guard, will I be able to open accounts without contacting them first?

Q: If I sign up for Identity Guard, will I be able to open accounts without contacting them first? A:  Yes, when you sign up for Identity Guard TOTAL PROTECTION® you’ll still be able to open new credit accounts without contacting anyone first.  Identity Guard doesn’t prevent
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What is a balance transfer?

Q:  What is a balance transfer? A:  A balance transfer is a term used to describe the action of transferring an outstanding balance from one credit card to another. For example if you have 2 credit cards, each with a $1,000 balance, and you decide to combine
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What is the highest credit score possible?

Q: What is the highest credit score possible? A:  Long story short, credit score values vary by credit score provider. For example, the popular FICO® Score (provided by Equifax Score Watch)  has a range of 300 to 850, so 850 would be the highest score you could
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With the Chase Freedom Visa – $200 Bonus Cash Back credit card, does it matter what I spend $500 on in the first 3 months to qualify for the $200 bonus?

Q:  With the Chase Freedom Visa – $200 Bonus Cash Back credit card, does it matter what I spend $500 on in the first 3 months to qualify for the $200 bonus? A:  No, it doesn’t matter what you spend your $500 on to qualify for the $200
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NextAdvisor.com Reviews Cloud Storage Services

SAN FRANCISCO, Feb. 6, 2012 /PRNewswire/ — NextAdvisor.com, a leading consumer and small business information web site, today announced the launch of its new cloud storage category, providing in-depth, independent reviews and comparisons of the best cloud storage services. NextAdvisor’s editors tried out seven different services to determine which provided the
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How does credit monitoring affect your credit score?

Q: I’ve been told that your credit score can suffer if your credit report is checked too often in a 12 month time period. How does credit monitoring affect your credit score? A:  Good news—first off, you can check your own credit score and/or report as many
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With Capital One Venture Rewards Credit Card, do I have to book my travel through the Capital One Rewards Center, or can I book it myself?

Q:  With Capital One® VentureSM Rewards Credit Card, do I have to book my travel through the Capital One Rewards Center or can I go anywhere (i.e., Travelocity) to book my travel and still use my reward points for the purchase? A:  The Capital One® VentureSM Rewards Credit Card
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NextAdvisor.com Announces 2012 Diet Taste Test Results

SAN FRANCISCO, Jan. 24, 2012 /PRNewswire/ — NextAdvisor.com, a leading consumer information web site, has announced the results of their 2012 diet food taste test. This unique comparison provides a completely independent look at how six of the leading meal delivery diet plans actually taste. While following
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Does Identity Guard have a toll-free phone number to call for more information?

Q:  Does Identity Guard have a toll-free phone number to call for more information? A:  Yes, Identity Guard does have a toll-free phone number you can call for more information about their product: 1-855-727-5801. Identity Guard customer service representatives are available via that phone number from 8am
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If I sign up for Identity Guard today, will I get immediate knowledge of opened credit to date?

Q:  If I sign up for Identity Guard today, will I get immediate knowledge of opened credit to date? A:  Yes, if you sign up for Identity Guard TOTAL PROTECTION® today, you will find out about the lines of credit opened in your name to date. That’s
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Will applying for a credit card hurt my credit score?

Q:  I am looking to apply for a secured or unsecured credit card to help me boost my credit scores. If I apply for an unsecured credit card, will it drop my credit score when my credit history is pulled? Will applying for a secured card be the better option or does
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Zappos hack exposes passwords for 24 million customers

Last Sunday night Zappos.com, the online retailer of shoes and clothing owned by Amazon.com, had its server hacked. The hackers gained access to the personal information of its 24 million customers, including name, email address, billing and shipping address, phone number, the last four digits of their
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Will enrolling with TrustedID prevent my husband from accessing the bank accounts we share as joint account holders?

Q:  I have just enrolled in TrustedID identity theft protection. My husband is a joint account holder on the bank and credit union accounts. He’s worried he’ll get blocked from using his cards on the accounts – will he? A:  TrustedID’s identity theft protection service will not
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Does Lifelock protect my bank account?

Q:  Does Lifelock protect my bank account? A:  Lifelock does help protect your bank account from fraudulent use (and a whole lot more – see our Lifelock review for details). The basic Lifelock service will monitor the Internet black market for fraudulent usage of your bank account
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I have a Wells Fargo credit card with a $8,000 balance, if I transfer the balance to the Citi Diamond Preferred – $200 Statement Credit card what charges will apply?

Q:  I have a Wells Fargo credit card with a $8,000 balance, can I transfer the balance to the Citi® Diamond Preferred – $200 Statement Credit card? And what charges will apply?  A:  You can definitely transfer other credit card balances onto the Citi® Diamond Preferred® – $200 Statement
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My wife and I each have different AmEx cards with $85 annual fees. Should we cancel those and get the TrueEarnings Card from Costco and American Express?

Q:  My wife (traditional Green) and I (traditional Gold) each have different American Express Cards. Each has a $85 annual fee.  Should I cancel those and get the the TrueEarnings Card from Costco and American Express?  I am a big Costco buyer, I also buy my gas there, and
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Will TrustedID identity theft protection prevent the unauthorized use of my debit cards and secure my bank accounts?

Q:  Will TrustedID identity theft protection prevent the unauthorized use of my debit cards and secure my bank accounts? A:  Yes, TrustedID IDEssentials will help protect both your debit/credit cards and your bank accounts from fraudulent use.  When you sign up for TrustedID, you will need to
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I opened a department store credit card this week. If I never use it, will it still hurt my credit score?

Q: I opened a department store credit card this week. If I never use it,will it still hurt my credit score? A:  Opening a new credit card account may impact your credit score in the short run, whether you use it or not. That’s because most credit scores
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Does the TrueEarnings Card from Costco and American Express include travel insurance and coverage?

Q:  Does the TrueEarnings® Card from Costco and American Express include travel insurance and coverage? A:  Yes, the TrueEarnings® Card from Costco and American Express includes up to $100,000 in Travel Accident Insurance. This insurance is automatic and is included free of charge with the card. You just need to pay
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Identity Guard announces kID Sure protection for your children

Identity Guard has launched an identity theft protection service just for children—kID Sure. kID Sure utilizes advanced scanning technology to search for the fraudulent use of your child’s personal information, including  Social Security numbers, bank account numbers and public record data. It searches the Internet black market,
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Which credit cards offer a 4 percent cash rebate on gas?

Q:  Which credit cards offer a 4% cash rebate on gas? A:  The Chase Freedom® Visa  card offers 5% cash back in certain rotating categories.  From January 1, 2012 to March 31, 2012, users will earn 5% cash back on all gas station and Amazon.com purchases.  They will
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What is a Purchase APR?

Q:  What is a Purchase APR? A:  The Purchase APR is the interest rate users pay for purchases made on their credit card.  It differs from a Balance Transfer APR, which is the interest rate paid for funds transferred onto a credit card from another credit card.
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With ProtectMyID, if something happens to change my credit score up or down at any of the three bureaus, will I receive my new score?

Q:  With ProtectMyID, if something happens to change my credit score up or down at any of the three bureaus, will I receive my new score? A:  ProtectMyID‘s credit monitoring service does not provide credit scores. It’s great strength is that it is one of the cheapest
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What does LifeLock Ultimate give you that LifeLock doesn’t? Does it give you your credit score?

Q: What does LifeLock Ultimate give you that LifeLock doesn’t? Does it give you your  credit score? A: LifeLock Ultimate includes all of LifeLock’s identity theft protection features, but adds a number of enhancements. LifeLock Ultimate‘s upgrades include 3-bureau credit monitoring, expanded monitoring for identity theft,  public and
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NextAdvisor.com Launches Free Small Business Resource Center

SAN FRANCISCO, Dec. 13, 2011 /PRNewswire/ — NextAdvisor.com, the leading independent review site for online services, today launched its new Small Business Resource Center that combines independent analysis, ratings and reviews of vital business services with informative articles to help small businesses make more informed and more profitable decisions. By bringing together
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Does Identity Guard monitor my bank accounts too?

Q: Does Identity Guard monitor my bank accounts too? A:  Yes, Identity Guard TOTAL PROTECTION® monitors the Internet black market for any bank account numbers you register.  It also scans for the fraudulent use of your credit cards, Social Security number, address and other personal information.  Although
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Will my Citi Dividend World Mastercard cash back rewards rollover to the following year?

Q:  Will my Citi Dividend World Mastercard $200 cash back card rewards rollover to the following year? A: Yes, your Citi® Dividend World Mastercard® – $200 Cash Back “Dividend Dollars” will rollover to the following year. Per the Terms & Conditions associated with this card, “Dividend Dollars will not
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How do I get the 25% discount with Identity Guard?

Q:  How do I get the 25% discount with Identity Guard? A:  It’s easy—to get this exclusive deal just follow any Identity Guard sign up link on our site.  Or click here to get the 25% discount ($5.00 off) AND free 30-day trial. Along with this great
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My credit is frozen. Do I have to unfreeze my credit to get a credit report?

Q:  My credit is frozen. Do I have to unfreeze my credit to get a credit report? A:  No, you do not have to unfreeze your credit to obtain your credit report. Credit freezes prohibit third parties—like potential lenders—from being able to access your report, and are
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If I sign up for a credit monitoring service, can I get all 3 reports with credit scores anytime I want?

Q:  If I sign up for a credit monitoring service, can I get all 3 reports with credit scores anytime I want or is there a limit? A:  It depends on which credit monitoring service you subscribe to.  If you’re looking for frequent credit report and credit
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Does the Chase Freedom Visa card have a foreign transaction fee?

Q:  Does the Chase Freedom Visa card have a foreign transaction fee? If so, what is it? A:  The Chase Freedom® Visa – $200 Bonus Cash Back card does have a foreign transaction fee of 3% of each transaction in U.S. dollars. Although this is a great card with substantial
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NextAdvisor.com Reviews Celeb-Backed Fashion Clubs to Help Online Shoppers Get the Best Style for Their Buck

SAN FRANCISCO, Nov. 22, 2011 /PRNewswire/ — NextAdvisor.com, the leading independent review site for online services, today announced the debut of its new fashion club category, providing in-depth, independent reviews, analysis and ratings of these trendy new celebrity-backed shop-at-home style services to help consumers get the best
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How accurate is the Identity Guard TOTAL PROTECTION credit score compared to the credit score the bank uses?

Q:  We are working on applying for a home loan, but need to get our scores up. How accurate is the Identity Guard TOTAL PROTECTION credit score compared to the ones the bank uses?  A:  Identity Guard TOTAL PROTECTION® credit scores were very, very close to FICO
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Can a Credit Freeze be Activated at all 3 Credit Agencies with Identity Guard TOTAL PROTECTION?

Q:  Can a credit freeze be activated at all 3 credit agencies with Identity Guard TOTAL PROTECTION? A:  Identity Guard® TOTAL PROTECTION will walk you through the steps to set a fraud alert at each of the 3 credit bureaus.  Identity Guard will not help you set up
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Do I Need A Printer To Apply For The Orchard Bank Visa Card?

Q: Do I need a printer to apply for the Orchard Bank Visa card? A: No, you do not need a printer to apply for the Orchard Bank Visa card. In fact, you don’t need a printer to apply for any of the reviewed credit cards on
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Does the Blue Cash Everyday from American Express Card have a 0% APR for Balance Transfers?

Q:  Does the Blue Cash EverydaySM from American Express card have 0% APR for balance transfers?    A:  Blue Cash EverydaySM from American Express does not have a special introductory APR for balance transfers, so the standard purchase APR (currently 17.24%-22.24%) will apply to all balance transfers. However, it
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I Need A Secured Credit Card For Travel. Is There One That Is Approved Instantly?

A: I need a secured credit card for travel. Is there one that is approved instantly? Q:  Not exactly.  The Orchard Bank Visa Card features a unique pre-qualification process that matches applicants up with the card they are most likely to be approved for, whether it’s a
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Does the United MileagePlus Explorer Card Have Any Blackout Dates for Travel?

A:  Does the United MileagePlus® Explorer card have any blackout dates for travel?   Q:  The United MileagePlus® Explorer card does NOT have any blackout dates for travel. According to the United MileagePlus® Explorer card terms and conditions, card users can “redeem MileagePlus miles for any seat, any time:
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Do I Have To Sign Up For Identity Theft Protect and Credit Monitoring Separately?

Q:  I am interested in signing up for identity theft protection and also credit monitoring.  Do I need to sign up for each individually? A:  No, you don’t.  Our top-rated Identity Guard TOTAL PROTECTION® provides both comprehensive identity theft protection and thorough 3-bureau credit monitoring.  Upon signup
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How can I get identity theft protection for my daughter?

Q:  How can I get identity theft protection for my daughter? A:  Good question!  A couple of our top-rated identity theft protection services offer protection for your children too.  Most people don’t realize it, but children are easy prey for identity thieves because their lack of credit
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Save Money with the Chase Slate – Limited Time: No Balance Transfer Fee Credit Card

If you’re worried about paying off all those high-interest balances you have on other credit cards, the ChaseSM Slate – Limited Time: No Balance Transfer Fee card is coming to your rescue.  Not only does it offer a 0% APR on purchases and balance transfers for up
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Get a Free Flight With Southwest Airlines Rapid Rewards Plus Card

Editor’s Note: This offer is no longer available Today’s launch of the Southwest Airlines Rapid Rewards® Plus credit card features a  FREE flight with your first card purchase. This special offer is only available for a limited time, so if you’d like to take advantage of it
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What is the minimum amount that you need to deposit to secure an Orchard Bank Mastercard secured credit card?

Q:  What is the minimum amount that you need to deposit to secure an Orchard Bank Mastercard secured credit card? A: During the Orchard Bank Mastercard approval process, users are pre-qualified for either a unsecured or secured credit card.  If you qualify for a unsecured (or “regular”)
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Does the Household Bank Rewards Mastercard allow cash advances?

Q:  Does the Household Bank Rewards Mastercard  allow cash advances?  If so, how much money can I take out? A: The Household Bank Rewards Mastercard does allow cash advances. There is a charge for this though—a 5% ($10 minimum) cash advance fee applies. This type of fee
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Does the Capital One Venture Rewards Card Earn 2 Miles on Every Purchase in ANY Type of Retail Place?

Q:  Does the Capital One® VentureSM Rewards card earn 2 miles per $1 spent on every purchase in ANY type of retail place, and how soon will I earn the 25,000 bonus points? Can you redeem earned points for any travel expense including airfare, hotel and car rental?
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What defines the 0% APR introductory period on credit cards?

Q:  What defines the 0% APR introductory period on credit cards? A: Each card has different guidelines, and they are detailed in their Terms and Conditions. One card might have a 6 month 0% APR introductory period, while another has a 12 month 0% APR introductory period.
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Will my credit score be affected if I apply for a credit card?

Q: Will my credit score be affected if I apply for a credit card? A: In general, if you already have a strong credit history and score, then applying for a new credit card shouldn’t affect your score much (if at all).  It if does change, it
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What is the best online genealogy service with documentation dating back to the 1900’s?

Q: I am interested in genealogy and want as much documentation as I can get on marriages, divorces, etc as early as possible beginning in the 1900’s. What would be the best genealogy service to use? A: Ancestry.com would be the best genealogy service for your specific
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Do preapproved credit card offers lower your credit score?

Q:  My 27 year old daughter often gets mail from credit card companies wanting her to get a card from them. On her recent TransUnion credit report we we saw that tons of those credit card companies have accessed her credit report.  We were told that having
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If I put a credit freeze on my credit report, does that mean that no one can make a purchase on any of my credit cards until I unfreeze my credit?

Q:  If I put a credit freeze on my credit report, does that mean that no one can make a purchase on any of my credit cards until I unfreeze my credit? A: No, it doesn’t. A credit freeze is specifically related to the information on your
[Read More]

Does the Escape by Discover® Card charge foreign transaction fees?

Q:  Does the Escape by Discover® Card charge foreign transaction fees? A: Yes, the Escape by Discover® Card charges a foreign transaction fee equal to 2% of the U.S. dollar amount of each purchase made in a foreign currency. You can find this, and other fee and
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When making purchases with the Southwest Airlines Rapid Rewards® Plus card, when does interest start accruing…immediately?

Q:  When making purchases with the Southwest Airlines Rapid Rewards® Plus card, when does interest start accruing…immediately? A: Interest on purchases does not start accruing immediately. The Southwest Airlines Rapid Rewards® Plus card from Chase specifically states in the card’s Terms and Conditions that it will not
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Netflix to split streaming and DVD, renaming DVD to Qwikster

Over the weekend Netflix announced they will be separating their DVD-by-mail and online content streaming services and renaming their DVD business as Qwikster.com. This comes on the coattails of their recent decision to charge for their formerly free streaming service, thereby changing their entire pricing and plan
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What airlines can you fly when you redeem travel reward credit card points or miles?

Q:  What airlines can you fly when you redeem travel reward credit card points or miles? A: It depends on the travel rewards credit card, as some cards are specific to a certain airline while others let users book flights on gamut of airlines. For example, with
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I’m pretty sure my identity has already been stolen. What can I do about it?

The following post is an actual user submitted question: Q:  I’m pretty sure my identity has already been stolen.  What can I do about it? A: We’re sorry to hear about this, because we know having your identity stolen can be very stressful. The first thing you
[Read More]

With cash back credit cards, how much cash back will I earn on grocery items and gas? Do I get instant cash back immediately after purchase?

Q:  With cash back credit cards, how much cash back will I earn on grocery items and gas?  Do I get instant cash back immediately after purchase? A: It depends on the cash back rewards credit card you choose. If you’re specifically interested in receiving cash back
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40% off Yahoo Small Business Web Hosting

Yahoo Small Business web hosting is offering NextAdvisor readers a whopping 40% off the first 12 months.  This brings the price down to just $5.97 per month. We think Yahoo Small Business web hosting is a great solution, especially for the less tech-savvy, and this new discount makes
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Does having a credit monitoring service submit credit scores to you twice a month ding your credit?

Q:  Does having a credit monitoring service submit credit scores to you twice a month ding your credit? Also, I want my credit scores from all 3 credit bureaus; how easy is it to cancel after I get them? A: When you sign up for a credit
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Does Audible work with the ANDROID operating system (Motorola DROID smartphones)?

Q:  Does Audible work with the ANDROID operating system (Motorola DROID smartphones)? A: Yes, it does. Audible has a free app for the Android that allows you to listen to books on your smartphone. For that matter, they also have free apps for iPhone and Blackberry….and of
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15% off SugarSync this Labor Day Weekend

SugarSync is offering NextAdvisor visitors a special 15% discount on their annual plans for a limited time only.  Today through September 4th if you sign up for a SugarSync personal plan via the NextAdvisor site you’ll automatically get 15% off.  Plus, this offer includes a 30-day free
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NextAdvisor Launches Travel Rewards Program Analysis

If you have a travel rewards credit card and have wondered what those points you’re earning are really worth, look no further. Today NextAdvisor released the results of its in-depth study on the value of travel program rewards. Our Travel Rewards Program Analysis features the real-life point
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Do I need cloud backup AND an external hard drive for my new computer, or will I be OK with just cloud back up or just an external hard drive back up?

Q:  Do I need cloud backup AND an external hard drive for my new computer, or will I be OK with just cloud back up or just an external hard drive back up? I have an iMac. A:  Cloud backup is the best choice.  The difference between
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NextAdvisor.com Launches Analysis of Top Airline and Hotel Rewards Programs

SAN FRANCISCO, Aug. 31, 2011 (PRNewswire) NextAdvisor.com, a leading consumer service review site, announced today its launch of a new travel rewards program analysis. This new research uncovers the real-world dollar value of a point from the most popular airline and hotel rewards programs.  While many consumers assume
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If my computer crashes, does an online backup service restore my iTunes music as well?

Q:  If my computer crashes, does an online backup service restore my iTunes music as well? A: If you have your computer set to back up your iTunes music, you will get your music library back when you restore your data. You just need to make sure
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How can I get the Chase Freedom® Visa card?  I can’t find it anywhere.

The following is an actual user question: Q:  How can I get the Chase Freedom® Visa?  I can’t find it anywhere. A: Easy, you can apply for the Chase Freedom® card directly from our site.  The reason you can’t find it anywhere else you’ve looked is it’s
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I’d like to sign up for a VOiP home service, but where I live wasn’t on your list of towns. Does that mean I cannot get VOiP here?

Q:  I’d like to sign up for a VOiP home service, but where I live wasn’t on your list of towns.  Does that mean I cannot get VOiP here? A: If you live in the U.S. (regardless of which town), you should be able to use VOiP
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If I join Identity Guard for the advertised $14.99, how often may I get my current 3 credit bureau reports at no additional cost?

Q:  If I join Identity Guard for the advertised $14.99, how often may I get my current 3 credit bureau reports at no additional cost? A: When you join Identity Guard, you’ll get all 3 of your credit reports and scores at sign up.  Then you’ll get
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What is the credit limit for an Orchard Bank Mastercard?

Q:  What is the credit limit for an Orchard Bank Mastercard? A: The credit limit for an Orchard Bank Mastercard depends on whether you end up with a secured or unsecured credit card. When you apply for an Orchard Bank card, their unique process determines which one
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We have a small company, two people located at different addresses. Can we get two internet fax numbers?

Q: We have a small company, two people located at different addresses. Can we get two internet fax numbers?   A: Most internet fax companies charge per fax number, so if you wanted to get two separate fax numbers you would need to buy two plans. However,
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Does identity theft protection cover husband and wife for one monthly fee or is it each person?

Q:  Does identity theft protection cover husband and wife for one monthly fee or is it each person? A: It depends on which identity theft protection service you select. Most base their protection on a per-person basis, so they charge separately for each person. However, TrustedID offers
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When using VOiP to make and receive calls, does my computer need to be logged on to the internet all the time?

Q:  When using VOiP to make and receive calls, does my computer need to be logged on to the internet all the time? If not, does my computer need to be on if the system is plugged into my router? A: You do not need to use
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Can you explain why my credit score increased and then decreased suddenly?

Q:  Can you explain why my credit score increased and then decreased suddenly? I just checked my score today about an hour ago and it was 667 and then I checked again and it had dropped 10 points in a matter of an hour. A: Because your
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In case of an event, will Identity Guard work with the customer to get the problem solved free of charge?

Q:  In case of an event, will Identity Guard work with the customer to get the problem solved free of charge? A: If your identity is compromised while you’re subscribed to IDENTITY GUARD Total Protection®, you’ll have full (free) access to the ID Theft Recovery Unit (ITAC).
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How can you delete hard inquiries off your credit report? How long does it take for them to come off the credit report?

Q:  How can you delete hard inquiries off your credit report? How long does it take for them to come off the credit report? A: Hard inquires usually occur when you apply for some form of credit or a loan, and are a record of when a
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I just turned 18 in May and I do not have any credit yet. Could I still get a credit card?

Q:  I just turned 18 in May and I do not have any credit yet. Could I still get a credit card? A: If you’re just starting out and don’t have a credit history, you might want to consider a secured credit card.  These type of cards
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Rewards cards are hard to figure out. How is the Chase Ink CashSM Business Card?

Q:  Rewards cards are hard to figure out. How is the Chase Ink CashSM Business Card?   A: The Chase Ink CashSM Business card is a great choice for businesses desiring cash back on their purchases. Users earn 3% cash back on gas, home improvement, dining and office
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How does TrustedID inform me of any unusual activity on my account?

Q:  How does TrustedID inform me of any unusual activity on my account? A: TrustedID IDEssentials monitors the Internet black market for any suspicious activity involving your personal information such as Social Security number, credit cards and bank accounts.  They also monitor your 3-bureau credit reports for
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I’m interested in a Visa credit card that gives good rewards.

Q:  I’m interested in a Visa credit card that gives good rewards. A: Well, you’ve come to the right place.  If you’re looking for a cash back Visa reward card, Chase Freedom® Visa – $200 Bonus Cash Back is a great choice.  Users get a hefty $200
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I need my credit scores and detailed information of who I owe and how much I owe them.

Q:  I need my credit scores and detailed information of who I owe and how much I owe them. A: Your credit reports contain information on whom you owe and the amount of money you owe them.  This information is reported to each of the 3 credit
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I have an incorrect entry in my credit report. How do I get rid of it and where did it come from in the first place?

Q: I have an incorrect entry in my credit report. I have two addresses and one isn’t mine. How do I get rid of this address and where did it come from in the first place? I reside at 418 Woodgate Road not 418 Westgate Road. Has
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I’m looking for a credit monitoring service that alerts you of changes and updates to your balance(s) from credit card companies, can you suggest any?

Q:  I’m looking for a credit monitoring service that alerts you of changes and updates to your balance(s) from credit card companies, can you suggest any? A: Equifax Complete would be a great solution for you. Equifax Complete‘s 3-bureau credit report monitoring is a bit more advanced,
[Read More]

How often can you get updated credit reports and scores and how much do they cost?

The following is an actual user-submitted question: Q:  How often can you get updated credit reports and scores and how much do they cost? A: You can get your credit reports and scores as often as you like, without having it affect your credit score. Everyone can get
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If both my wife and I sign up for an identity theft protection service can we both do so under one account, or would we need to purchase two separate accounts?

The following is an actual user-submitted question: Q:  If both my wife and I sign up, can we both do so under one account (i.e. give you both our Social Security numbers), or would we need to purchase two separate accounts? A: Trusted ID, one of our
[Read More]

My husband has lost his wallet. Which identity theft protection service would cover both my husband and me?

The following is an actual reader submitted question: Q:  My husband has lost his wallet.  We cancelled his credit card, but are concerned about the Social Security number on his Medicare card and also his driver’s license.  Which identity theft protection service would cover both my husband
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How can I tell if there are any judgements against me?

The following is an actual reader submitted question: Q: How can I tell if there are any judgements against me? A: If your judgement is a matter of public record, it should appear on your credit report.  Typical items that might show up on your credit report
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Best Summer Reward Credit Cards

It’s summertime, when people typically spread their wings and leave the roost for family vacations and weekend get aways.  If you want to make sure you’re getting something back for the money you plan to spend, it makes sense to look into credit rewards cards.  These type
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What is the best identity theft protection company that the Better Business Bureau would recommend?

The following is an actual user-submitted question: Q:  What is the best identity theft protection company that the Better Business Bureau would recommend? A: Our top-rated identity theft protection company, IDENTITY GUARD ®, also has an “A+” rating from the Better Business Bureau—their best available grade.  They’ve
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Can I get my 3 credit reports by signing up for a credit monitoring service?

The following is an actual user-submitted question: Q:  Can I get my 3 credit reports by signing up for a credit monitoring service? A: It depends on which credit monitoring service you sign up for. PrivacyGuard, one of our top reviewed services, offers a 30-day trial for
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Yahoo! Small Business Web Hosting 50% Off

Yahoo! Small Business web hosting is running a special deal: 50% off the first 3 months of service. This brings the price down to $4.98 per month for the first 3 months (starting month 4 it is $9.95/mo). It’s a limited time promotion, so take advantage of
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Do any of your identity theft protection services monitor for social security theft and who is applying for your credit?

The following is an actual user-submitted question: Q:  Do any of your identity theft protection services monitor for social security theft and who is applying for your credit? A: Yes, they do. Both IDENTITY GUARD® and Trusted ID, our top identity theft protection services, would be a great
[Read More]

Which credit report monitoring service includes monthly credit score updates?

The following is an actual user-submitted question: Q: Which credit report monitoring service includes monthly credit score updates? A: All credit report monitoring services do what their name implies, which is monitoring your credit report(s) and alerting you if there are any changes. However, only one of
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Where can I write to and have free credit reports mailed back to me?

Q:  Where can I write to and have free credit reports mailed back to me? A: Everyone is entitled to request their free credit reports once a year from each of the 3 credit bureaus; Equifax, Experian and TransUnion.   You can request your reports online, by
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My wife has a spending addiction. How can I tell if she purchases new credit cards and starts spending on them? Or if she forges my name to get a new card?

Q:  My wife has a spending addiction. How can I tell if she purchases new credit cards and starts spending on them? Or if she forges my name to get a new card? A: If you are a cosigner on any of your wife’s current or future
[Read More]

My fiance locked her credit report several years ago. We would like to unlock her credit. How do we go about doing this and are there any costs involved?

Q:  My fiance locked her credit report several years ago. We would like to unlock her credit. How do we go about doing this and are there any costs involved? A: I’m assuming you are referring to a credit freeze (sometimes called a credit lock or security
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Citigroup Data Breach Raises Identity Theft Concerns

Today Citigroup reported that the names, account numbers and email address of 200,000 bankcard customers had been stolen by hackers.  That’s a lot of people—in fact it’a about 1% of Citi ‘s total customers. Even more surprising is that the data theft actually happened in May, but wasn’t
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Does Identity Guard provide both 3 bureau credit scores and credit reports quarterly?

Q: You note that Identity Guard TOTAL PROTECTION provides 3 bureau credit SCORES each quarter. Does this mean that they include the credit REPORTS that make up those credit scores, or only the final credit score numbers? A: As you mention, Identity Guard TOTAL PROTECTION® provides credit
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What happens if errors are identified on my credit report? Do credit monitoring services help to get these errors removed from the report?

Q:  What happens if errors are identified on my credit report? Do credit monitoring services help to get these errors removed from the report? Is this a extra cost? A: It depends on how full-featured the credit report monitoring service is. Some, like Identity Guard TOTAL PROTECTION®,
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Does FICO use credit scores from all three credit reporting agencies to come up with their own FICO Score?

Q:  Does FICO use credit scores from all three credit reporting agencies to come up with their own FICO Score? A: FICO is the brand name of a credit score calculation created by Fair Issac & Co in 1956. FICO actually uses their own proprietary credit algorithm to
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Do any of the identity theft protection services you review protect bank accounts and provide computer protection?

Q:  Do any of the identity theft protection services you review protect bank accounts and provide computer protection? A: Both of our top rated identity theft protection services, Identity Guard TOTAL PROTECTION® and Trusted ID protect your bank accounts and provide computer protection.  When you sign up
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What are the best credit cards for those with fair to poor credit?

Q:  What are the best credit cards for those with fair to poor credit? A: If you’re one of many people whose credit history has taken a serious hit in today’s economy, secured credit cards are a great way to help rebuild your credit.  Secured cards require
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This will be my first time getting a credit card. What credit card would be appropriate for my situation?

Q:  This will be my first time getting a credit card. I’ll be making small purchases with this card and paying them off in full each month, so as to build credit so that I can eventually rent my own apartment, etc. What credit card would be
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I applied for a school loan and was denied because they said I had delinquent credit accounts. What should I do?

Q:  I applied for a school loan and was denied because they said I had delinquent credit accounts. I think they are looking at my parents’ credit cards instead of mine. What should I do? A: It seems from your question that you believe the school is
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How does FICO get the information to determine one’s credit score since they are not a credit reporting agency?

Q:  If each of the 3 credit reporting agencies have their own formula to determine a credit score, which results in three different scores, how does FICO get the information to determine one’s credit score since they are not a credit reporting agency? A: Although it’s true
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I got my free credit reports a few months ago. If I subscribe now to credit monitoring services, will I be able to get my credit reports again?

Q:  I got my free credit reports a few months ago. If I subscribe now to credit monitoring services, will I be able to get my credit reports again? A: If you got your free credit reports at AnnualCreditReport.com, they are completely separate from the reports you
[Read More]

My social security card, driver’s license, and credit cards were stolen today. Can I still be protected?

Q:  My social security card, driver’s license, and credit cards were stolen today. Can I still be protected? A: The short answer is yes!  Many people find themselves in similar straights, where they have lost their wallet or some other piece of personal information and then they
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Chemistry.com Free Communication Weekend

It’s baaaack!  Chemistry.com is offering free communication and matching today through Sunday May 15.  It’s a great time to dip your foot in the online dating pool because this special promotion allows you to access all the Chemistry.com subscriber benefits at no cost.  Enjoy the complete Chemistry.com
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Can I obtain a nursing degree online?

The following is an actual user-submitted question: Q:  Can I obtain a nursing degree online? A: Absolutely.  You can complete the education portion of your nursing degree online by attaining a Bachelor of Science in Nursing.  Once you graduate, you will need to pass the national licensing
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I just filed Chapter 7 bankruptcy, and it was discharged in February. How long should I wait to see how my score and credit changed?

Q.  I just filed Chapter 7 bankruptcy, and it was discharged in February.  How long should I wait to see how my score and credit changed?  I had excellent credit and FICO scores before. A. Based on the way you worded your question, it sounds like the
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If we sign up for Identity Guard, will they call to verify our future purchases, or will they just fix identity theft if it occurs?

Q:  If we sign up for Identity Guard, what happens if we lease a new car, or go to Lowe’s and buy an appliance?  Will these attempts at setting up credit for these purchases cause Identity Guard to call the dealership or Lowe’s and VERIFY that it
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Do any of the credit monitoring services you have reviewed allow me to get my credit score more than once a year?

Q: Do any of the credit monitoring services you have reviewed allow me to get my credit score more than once a year? Can I get scores whenever I want or are there restrictions? A: Credit monitoring services often provide credit scores as part of their total
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Do identity theft protection services charge extra for setting fraud alerts?

Q:  Do identity theft protection services charge extra for setting fraud alerts? A: Putting a fraud alert on your credit files means that the 3 credit bureaus (Equifax, Experian and TransUnion) need to use “reasonable policies and procedures” to verify your identity before opening an account in
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My wife and I have all accounts and credit cards in combined accounts. Can we enroll as a family for your service or do we need seperate memberships with you ?

Q:  My wife and I have all accounts and credit cards etc in combined accounts. Can we enroll as a family for your service or do we need seperate memberships with you ? A: Although you and your wife share credit cards and other accounts, you need
[Read More]

Should I be concerned about the possibility of identity theft if someone knows my driver’s license number, birth date and my mother’s maiden name?

Q:  Should I be concerned about the possibility of identity theft if someone knows my driver’s license number, birth date and my mother’s maiden name? A: In a word, yes.  It is possible for a resourceful thief to use this personal information to their advantage and steal
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I lost a notebook with my personal information inside, including my social security number and address. What do you recommend I do?

Q:  I lost a notebook with my personal information inside, including my social security number and address.  What do you recommend I do?  I haven’t closed any bank accounts but I have been watching my accounts. A: It’s good that you’re asking this question, because a lot
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Does a credit report identify all organizations I owe and the exact amounts I owe them?

Q:  Does a credit report identify all organizations I owe and the exact amounts I owe them? A: A credit report is a record of your credit history, as reported by institutions with whom you’ve had credit relationship.  This means that creditors, lenders, employers, insurers and other
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How do I find out if my credit has been compromised?

Q:  How do I find out if my credit has been compromised? A: Excellent question. First, order all three of your credit reports (Equifax, Experian and TransUnion).  Then carefully read through each one, checking for any suspicious changes or activity you were not responsible for.  If you
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Does the bank get a different “credit score” than what’s reported on credit monitoring websites? If not, how do we dispute this discrepancy?

Q:  We recently applied for a car loan from a bank and were told that our credit scores were much lower than what we see online at freecreditreport.com.  Does the bank get a different “credit score” than what’s reported on credit monitoring websites?  If not, how do we
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I checked my credit score, and it came up with places I have never lived and that I have a current mortgage when I do not. What should I do?

Q:  I checked my credit score, and it came up with places I have never lived and that I have a current mortgage when I do not.  What should I do? A: It sounds like you checked you credit score, as well as your credit report.  Your
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If someone checks my credit report without opening a new account would I be notified?

Q:  If someone checks my credit report without opening a new account would I be notified? A: When a third party checks your credit report it’s called an ” inquiry” (See our FAQ to learn more about inquiries.)  Trusted ID, IDENTITY GUARD®, Equifax Complete and ProtectMyID all provide 3-bureau
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Do identity theft protection services monitor all three credit bureaus on a daily basis?

Q:  Do identity theft protection services monitor all three credit bureaus on a daily basis? A: Our top rated Trusted ID IDEssentials monitors your credit reports at all 3 credit bureaus 24 hours a day, 7 days a week.  You’ll receive same day alerts for any changes
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Why do people need to have a credit score?

Q:  Why do people need to have a credit score? A: Credit scores are used by potential lenders to determine if a person is creditworthy, or likely to pay their debts.  It’s essentially a way of distilling all the information in your credit file (ie, report) into
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Do you offer identity theft protection services with access to and the printout of 3-bureau credit reports?

Q:  Do you offer identity theft protection services with access to and the printout of 3-bureau credit reports? A: Two of our top-rated identity theft protection services, IDENTITY GUARD® and Trusted ID allow you immediate online access to your 3-bureau credit reports.  You can also print them
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How can the credit scores differ so much from one monitoring service to the next?

Q:   How can the credit scores differ so much from one monitoring service to the next? My Experian score had a 43 point difference between FreeCreditReport.com and CreditScoreComplete, on the same day! A: I agree that it can be confusing. The reason the your credit score
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Chemistry.com Free Communication Weekend

It’s back!  Chemistry.com is offering a free communication weekend today through Sunday, March 27th.  You can sign up for Chemistry.com and communicate with other members absolutely free.  You’ll have access to all the great tools full-paying members do, and you don’t even need to provide a credit card!  
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If valuable personal info has been lost in the mail, should I institute a security freeze as well as join an identity theft protection service?

Q:  If valuable personal info has been lost in the mail, should I institute a security freeze as well as join an identity theft protection service? A: Both are a good idea, since having your personal information fall into the wrong hands can be costly and time
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Is this unlimited use or can you only access the credit report and score a limited number of times monthly?

Q: Is this unlimited use or can you only access the credit report and score a limited number of times monthly? A: The IDENTITY GUARD® credit monitoring service provides 3-bureau credit scores and reports when you sign up for the free trial.   You’ll also get 3-bureau credit
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Best Cash-Back Credit Card

Ever wondered what the best cash-back credit card is?  Your wait is over. CBS MoneyWatch has reviewed and rated the top cash-back credit cards, and the number one choice was the TrueEarnings Card from Costco and American Express. The card rewards its users with 3% cash back
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I checked my TransUnion FICO score two different times in a single week and saw different scores. What happened?

Q:  I checked my TransUnion FICO score two different times in a single week and saw different scores.  What happened? A: Credit scores continually change over time.  This is because your credit score is updated every time your credit report changes, therefore your score can literally change
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How can I get my credit score?

Q:  How can I get my credit score? A: It’s easy, and you can even get your credit scores for free!  Two of our top rated credit monitoring services—IDENTITY GUARD® and Trusted ID—offer free credit scores from all 3 credit bureaus when you sign up for their
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Do you get all 3 credit reports or just your credit scores?

Q:  Do you get all 3 credit reports or just your credit scores? A: Several of our top-rated credit reporting services, including IDENTITY GUARD®, and Trusted ID, provide credit reports and credit scores from all 3 credit bureaus.  They both also feature 3-bureau credit monitoring so you’ll
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Do credit monitoring services monitor all 3 credit bureaus 24/7, and will they notify me in real time by email if there is suspicious activity?

Q:  Do credit monitoring services monitor all 3 credit bureaus 24/7, and will they notify me in real time by email if there is suspicious activity? A: Both IDENTITY GUARD®, and Trusted ID monitor your credit reports at all 3 credit bureaus—Equifax, Experian and Transunion—on a daily
[Read More]

Why do I have a low credit score?

Q: Why do I have a low credit score? A: Good question, and I’m sure one that many people wonder about.  Credit scores were created as a quantifiable way to measure and rate an individual’s credit history.  There are a number of agencies that create different branded
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How do you put a fraud alert on your credit file?

Q:  Our recently completed taxes have been misplaced or lost.  How do we put a fraud alert on our credit file? A: Placing a fraud alert on your credit files means that the 3 credit bureaus—Equifax, Experian and Transunion—need to use “reasonable policies and procedures” in order
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Will an identity theft protection service notify me if someone uses my Social Security number to try to open an account in my name?

Q:  Will an identity theft protection service notify me if someone uses my Social Security number to try to open an account in my name? A: Our top-ranked identity theft protection services monitor a variety of places, including the Internet and public records, for use of your
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When you place a fraud alert, do you need to provide your Social Security number?

Q: When you place a fraud alert, do you need to provide your social security number? A: Yes, you do. Credit bureaus use your Social Security number (SSN) as a unique identifier for you and your credit file. When you set a fraud alert with a credit
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Do I need to to pay for credit monitoring services for a certain amount of time, or are they month-to-month? If I cancel before the 30 day trial period is up, will I be charged for anything?

Q:  Do I need to to pay for credit monitoring services for a certain amount of time, or are they month-to-month?  If I cancel before the 30 day trial period is up, will I be charged for anything? A: Credit monitoring services are typically month-to-month, although some
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Does TrustedID provide a free copy of credit reports annually to their customers?

Q:  Does TrustedID provide a free copy of credit reports annually to their customers? A: Yes, TrustedID IDFreeze provides an annual copy of all 3 of your credit reports with your service.  You’ll automatically receive your free annual credit reports from the 3 credit bureaus—Equifax, Experian and
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Is there an identity theft protection service that will cover my whole family?

Q:  Is there an identity theft protection service that will cover my whole family? A: Yes, our top-rated Trusted ID IDFreeze will protect everyone living at the same address for just $13.46 per month (with annual prepay).  This means that husband and wife will be protected, along
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Would I have to get a loan to go to online college?

Q:  Would I have to get a loan to go to online college? A: That would probably depend on your financial circumstances.  Most people do end up getting some sort of financial assistance, ranging from loans to grants and scholarships.   You can learn more about financial aid 
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Am I already a victim of an identity theft scam?

Q:   I recently replied to an email claiming to be from the UK National Lottery, stating I was a winner. They want to have the money wired to my bank, so I would have to give them account information.  I did provide them with my name, age,
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I travel a lot, including overseas. Will TrustedID block my accounts while I’m out of the country?

Q:  I travel a lot, including overseas. Will TrustedID block my accounts while I’m out of the country? Do I need to alert them in advance? A: Frequent travel is a great reason to protect your identity.  TrustedID does not actually “block” your accounts, but it does
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Can you sign up for more than one free trial credit monitoring service in a given year?

Q:  Can you sign up for more than one free trial credit monitoring service in a given year? A: Yes, you can!  You can sign up for multiple free trial credit monitoring services in any given year.  This is great news because it means you can try
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My father recently passed away. I want to know how to get a credit report on him.

Q:  My father recently passed away. I want to know how to get a credit report on him. A: This will take a little bit of work on your part, but it’s well worth it to ensure that your father’s credit has not been compromised by identity
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Are there any free services for freezing your credit in the state of California?

Q:  Are there any free services for freezing your credit in the state of California? A: It depends on your situation.  Per California state law (Civil Code Section 1785.10-1785.19.5), victims of identity theft who have filed a police report can freeze their credit files free of charge. 
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Does your number-one-rated identity theft protection company provide reports for both husband and wife separately, or just for me alone?

Q:  Does your number-one-rated identity theft protection company provide reports for both husband and wife separately, or just for me alone? If not, would you recommend getting monthly reports on both credit histories instead? A: The majority of identity theft protection companies, including our number one rated
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Which online college programs have the lowest tuition costs?

Q:  Which online college programs have the lowest tuition costs? A: Each online college varies in it’s cost, based on the degree you are studying for and the college itself.  However, the majority of students receive some kind of financial aid to help defray the expense.  There
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When applying for identity theft protection, will my social security number be asked for?

Q:  When applying for identity theft protection, will my social security number be asked for? A: Yes, it will.  There are several reasons for this.  First, your social security number (SSN) is an unique identifier that credit bureaus use to match you up with your credit file. 
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I have a credit freeze on each of my 3 credit files. Can I enroll in a credit monitoring service and still keep my credit file freezes?

Q:  I have a credit freeze on each of my 3 credit files. Can I enroll in a credit monitoring service and still keep my credit file freezes? A: Yes, you can use a credit monitoring service when you have a credit security freeze on your credit
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Chemistry.com free communication weekend

Chemistry.com is promoting it’s free communication weekend today through Sunday, January 9th.  Free communication weekend means just that – you can sign up for Chemistry.com and communicate with other members absolutely free.  You’ll have access to all the great tools full-paying members do, and you don’t even
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Can my identity be stolen if all they have is my signature?

Q:  Can my identity be stolen if all they have is my signature? A: Interesting question.  Typically for identity theft to occur, a thief would need to know some sort of personal information such as your social security number, bank account number or credit card number.  Although
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My wallet was stolen a month ago. What should I do?

Q:  My wallet was lost or stolen about a month ago.  It had my credit cards, debit cards, medical insurance card and Medicare card in it.   I don’t know the account number on my credit cards, but I canceled the debit cards.  There hasn’t been any action
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Is a credit score the same as a FICO score?

Q:  Is a credit score the same as a FICO score?  I recently checked my credit and had no score, but I’ve only had a credit file for 3 months. Maybe this was the credit report agency’s score and not a true FICO? A: The FICO score
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If I enroll just myself in an identity theft protection service, will my wife’s identity (and our shared accounts) be ‘secured’ as well?

Q:  If I enroll just myself in an identity theft protection service, will my wife’s identity (and our shared accounts) be ‘secured’ as well? A: Trusted ID offers a family plan that will protect both yourself and your wife, as well as any family members living at
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How do I determine who is inquiring about my credit report and why they are doing so?

Q:  We are in the process of refinancing our mortgage. The lender has requested an explanation of two inquiries on our credit report.  How do I go about determining who the inquirers are and why they sought credit information about us? A: You need to obtain copies
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How can I get my credit reports for free?

Q:  How can I get my credit reports for free? A: Everyone is entitled to get their 3 credit reports for free at annualcreditreport.com.   This site was set up by the 3 credit bureaus  to comply with the Fair Credit Reporting Act.  Although it provides a great
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Medical debt can lower your credit score

Checked your credit report lately?  If you haven’t, you should.  In a new trend, consumers are discovering that hidden medical debt is preventing them from refinancing their house or getting a new loan. Most people aren’t aware that their medical bills can affect their credit score.  Medical
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I am already a victim of identity theft. The worst part of my case is that I know who has done this, but I don’t want them to be in any trouble. Please advise me what to do.

Q:  I am already a victim of identity theft.  The worst part of my case is that I know who has done this, but I don’t want them to be in any trouble.  Please advise me what to do. A: If you know that you are a
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I recently received a letter on how I could get my mortgage lowered. In response to the letter, I sent personal information for myself and my husband to the person referred to in the letter. I haven’t heard anything in response. What should I do?

Q: I recently received a letter on how I could get my mortgage lowered.  In response to the letter, I sent personal information for myself and my husband—including our drivers licenses, social security cards and documents for the house—to the person referred to in the letter.  I
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My ex-wife works for Wells Fargo and has bragged about being able to access my credit reports. Does Identity Guard provide reports that will show who accesses my credit reports? Isn’t this illegal anyway?

Q:  My ex-wife works for Wells Fargo and has bragged about being able to access my credit reports. Does Identity Guard provide reports that will show who accesses my credit reports? Isn’t this illegal anyway? A: Regarding your ex-wife’s access to your credit reports, unless you currently
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Weight Watchers launches new PointsPlus program

The successor to the original Weight Watchers Points program has come to town.  Weight Watchers changed from their classic Points program to the new PointsPlus yesterday, November 29th. The previous Points formula has been around since 1997, and factored calories, fiber grams and fat grams when calculating
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I would like to sign up for Identity Guard, but entering my social security number and info seems a little counter-intuitive and causes concern. How do I know this is secure?

Q:  I would like to sign up for Identity Guard, but entering my social security number and info seems a little counter-intuitive and causes concern. How do I know this is secure?  Is there another way? A: We applaud your concern about sharing your SSN with others,
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I purchased all 3 credit reports and scores from freecreditscore.com. I then applied to Toyota for a car and was told that I didn’t have a score. I faxed the report to them but was told that what I was looking at wasn’t my score, just a number I could aspire to. What’s the deal?

Q:  I purchased all 3 credit reports and scores from freecreditscore.com.  I then applied to Toyota for a car and was told that I didn’t have a score.  I faxed the report to them but was told that what I was looking at wasn’t my score, just
[Read More]

Can I receive a free credit report from Experian, Equifax or TransUnion by regular mail?

Q:  Can I receive a free credit report from Experian, Equifax or TransUnion by regular mail? A: By law, you are entitled to free copy of each of your 3 credit reports from annualcreditreport.com every 12 months.  You have the choice of viewing these reports online, or
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Do I lose points on my credit score just by checking to see what it is?

Q:  Do I lose points on my credit score just by checking to see what it is? A: The good news is no, you don’t lose points.  Checking your own credit score is considered a “soft” inquiry and will not affect your credit score in any way. 
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Chemistry.com Free Communication Weekend

It’s baaacckkk!  Chemistry.com is promoting its “free communication weekend”, starting today and going through this Sunday November 21st.   This is the weekend you can try out the complete Chemistry.com dating experience for free.  All weekend long  you can sign on, create a profile and starting contacting
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I only want to see my credit score once and print it out. I just want to pay a one time fee, I don’t want to be billed over and over.

Q:  I only want to see my credit score once and print it out.  I just want to pay a one time fee, I don’t want to be billed over and over. A: I understand.  The good news with our top rated credit monitoring services is that
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Is it safe to give my social security number out online for free credit reports?

Q:  Is it safe to give my social security number out online for free credit reports? A: I would say that yes, generally it is safe.  Make sure you’re choosing a reputable service, by doing your research ahead of time.  All the credit report monitoring services reviewed
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TheUglyBugBall.com is here!

It’s time has come.  Fed up with dating sites that advertise with great looking people living ideal lives, TheUglyBugBall.com has come to town.  Billed as a site for the “aesthetically challenged”, TheUglyBugBall describes itself as a meeting place for those who don’t always like what they see
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Why are car insurance companies able to use your credit score to adjust your interest rate? If you have no debt and no late payments, why don’t you have a perfect credit score?

Q:  Why are car insurance companies able to use your credit score to adjust your interest rate?  If you have no debt and no late payments, why don’t you have a perfect credit score? A: The vast majority of lenders use your credit information, including your credit
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What is the most dollar efficient way to handle credit report monitoring for a married couple. Do you have to sign up separately?

Q:  What is the most dollar efficient way to handle credit report monitoring for a married couple. Do you have to sign up separately? A: Trusted ID actually offers a very popular, reduced-price family plan that will cover both you and your spouse.  For only $20 a
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How Much Does eDiets Cost Monthly?

Q:  How much does eDiets cost? Updated 05/30/12  A: Currently, eDiets Online, the DIY diet plan that received first place in our rankings, is offering our readers a 25% discount. After the discount, the eDiets program costs just $14.21 every four weeks and is billed monthly. When you first sign up,
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I just want to check my credit score once in a while. I don’t want to pay the money each month.

Q:  Why is it that if a person goes to a free credit score site, they want your credit card number and say they will charge $14.95 per month to monitor the credit score? I just want to check my credit score once in a while. I
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Which diet plans have weight loss medicine in their foods?

Q:  Which diet plans have weight loss medicine in their foods? Such as those that curb the appetite, help with metabolism and control your desire for sweets? A: Not to be glib, but hopefully there aren’t any meal delivery plans out there with medicine in them.  This
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Someone is having their bill collectors call our phone. How do we get them to stop? Will this affect our credit scores or anything else?

Q:  Someone is having their bill collectors call our phone.  How do we get them to stop?  Will this affect our credit scores or anything else?  We live in a small town and we do have Lifelock. A: There are 2 possibilities here.  The first is that
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I tried to access Identity Guard from your site, and during the enrollment process my identity couldn’t be verified. I’m 18 and have never had credit or taken out a mortgage. However, they indicated that I did. What can I do if this info is incorrect?

Q:  I tried to access Identity Guard from your site, and during the enrollment process my identity couldn’t be verified.  I’m 18 and have never had credit or taken out a mortgage.  However, they indicated that I did.   What can I do if this info is
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I need the code for the 30 free day trial

Q:  I need the code for the 30 free day trial. A: I believe you are referring to our identity theft protection and credit report monitoring free trial offers.  You don’t need a code for any of the offers shown in these categories, because the offer is
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While what you offer looks good, how do I know that I will receive both my free credit report and score before the trial period is up?

Q:  While what you offer looks good, how do I know that I will receive both my free credit report and score before the trial period is up? Also, I know I am allowed a free copy of my credit report annually from all three reporting agencies,
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Which credit scores should I get to see my scores just the way a bank would see them?

Q:  Which credit scores should I get to see my scores just the way a bank would see them?  Last time I got my credit scores, they showed scores in the 900s, and I don’t believe that was the same view as a bank view. A: FICO
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When the information is the same on all credit reporting agencies, why is there so much difference between your credit reports?

Q: When the information is the same on all credit reporting agencies, why is there so much difference between your credit reports?   How does someone, and the companies they apply for credit with, know what their score actually is? A:  The key issue here is that
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NextAdvisor Announces Diet Taste Test Results

San Francisco, CA (PRWEB) October 12, 2010 NextAdvisor.com, a leading consumer service review site, has announced the results of its diet food taste test.  This unique comparison provides a completely independent look at how meal delivery diet plans actually taste.  Six of the leading diet plans were
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Do identity theft protection services stop soft and hard pulls of credit?

Q: Do identity theft protection services stop soft and hard pulls of credit? A: Yes, the are certain identity theft protection service that let you to set up your account to prevent soft and hard pulls of your credit reports.  In order to do this, you would
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Chemistry.com Free Communication Weekend

It’s that time again!  Chemistry.com is one of the largest and most popular online dating services, and this weekend you can enjoy a complete Chemistry.com dating experience for free. From Friday October 8 to Sunday October 10, you can sign on, create a profile and starting contacting
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If I give my name, but not my home address, to someone who is going to send me something, is it possible they could steal my identity or anything else?

Q:  If I give my name, but not my home address, to someone who is going to send me something, is it possible they could steal my identity?  If I use a P.O. Box for them to send the item to then am I safe? A: Normally,
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Can I cancel Identity Guard at any time?

Q:  If I buy Identity Guard, and after the 30 day free period I pay $14.99, can I still cancel at any time or am I locked in for a period of time? Will I get my FICO score as well as the three credit reports, or
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Does everyone have 3 different FICO scores, or is your credit score actually the FICO?

Q: Does everyone have 3 different FICO scores, or is your credit score actually the FICO? Do I need all three FICO scores, or will they too be very close in range to matter? A: Yes, everyone has three different FICO scores: an Equifax FICO score, an
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Will checking my annual credit report and credit score lower my score?

Q:  Will checking my annual credit report and credit score lower my score? A: No, it won’t.  When you check your own credit information, it’s called a “soft pull” or “soft inquiry” and won’t affect your credit score.  For this reason, you can check your credit reports
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If my “FICO” credit scores from all 3 credit bureaus are good, what other credit scores do I need to know before I apply for a loan, and how do I get those scores?

Q:  If I get my “FICO” credit score from all 3 credit bureaus and they are all within the same range (+/- ten points), what other credit score do I need to know before I apply for a loan, and how do I get that score? A:
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How do identity theft protection services protect my social security number?

Q:  How do identity theft protection services protect my social security number? A: A number of our top reviewed identity theft protection services help protect your social security number from fraudulent usage, including Identity Guard and Trusted ID.  Both of these services monitor the Internet and public
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eHarmony Free Communication Weekend 9/3 – 9/6

Today through Monday (9/3 – 9/6) you can join eHarmony and communicate with matches for free.  And when they say “free”, they mean it.  You don’t even need to provide a credit card, and there is absolutely no obligation.  So go ahead and give it a spin
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Exclusive Online-Only Trusted ID 10% Discount

NextAdvisor.com has partnered with Trusted ID to offer an exclusive 10% discount on their identity theft protection service.  This is an online-only, limited time offer, and there is no coupon code required.  All you need to do is click on any Trusted ID link on our site.
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Does the Trusted ID family plan include my partner and myself? Also, does Trusted ID offer monitoring of public records and the Internet black market?

Q.  Does the Trusted ID family plan include my partner and myself? Also, does Trusted ID offer monitoring of public records and the Internet black market? A. The Trusted ID family plan includes all household members living at the same address, related or not.  So you and
[Read More]

I don’t have a computer, is there a number I can call for a free credit report?

Q:  I don’t have a computer, is there a number I can call for a free credit report? A: Yes, there is.  You can request your free annual credit report by phone or by mail, as well as online at annualcreditreport.com.  If you prefer to call, the
[Read More]

My daughter is 21 years old and attending college out of state. Can she be included along with myself and wife on a single identity theft family plan?

Q: My daughter is 21 years old and attending college out of state. Can she be included along with myself and wife on a single identity theft family plan?  Would there be additional costs or limitations? A: Sorry to be the bearer of bad news, but your
[Read More]

My credit score isn’t that high. I have a lot of credit, and I’m never late on payments. Should I cut back on the credit cards and just cancel those I don’t need?

Q:  My credit score isn’t that high.  I have a lot of credit, and I’m never late on payments. Should I cut back on the credit cards and just cancel those I don’t need? Does the amount of credit available affect the score?  Since I have a
[Read More]

When getting married, how will one individual’s bad credit score impact another who has an excellent credit score?

Q:  When getting married, how will one individual’s bad credit score impact another who has an excellent credit score? A: The good news is that each of you will continue to have your own, separate credit report and score.  This is because everyone keeps an individual credit
[Read More]

I need to refer my clients to a site to get their credit report with the three scores. I see that you do that but will they be able to email me a copy and print it out if they want to?

Q:  I need to refer my clients to a site to get their credit report with the three scores. I see that you do that but will they be able to email me a copy and print it out if they want to? A: Several of our
[Read More]

How long are the contracts for identity theft protection? Are there any that are month to month?

Q:  How long are the contracts for identity theft protection?  Are there any that are month to month? A: All of the identity theft protection services reviewed on our site offer month-to-month commitments.  Two of them, Trusted ID and Lifelock, have both month-to-month and annual options.  If
[Read More]

What does FICO mean?

Q:  What does FICO mean? A: FICO is the brand name of a credit score calculation created by Fair Issac & Co way back in 1956. A “FICO score” indicates that a credit score has been calculated using the (top secret) mathematical formula Fair Issac developed. Your
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eHarmony is giving out 10 days of free communication!

Today through August 1st, you can sign up and communicate on eHarmony.com for free! This is the longest free promotion we have heard of them offering, and if you start today you’ll get the biggest bang for your (totally free) buck. Just click the link in this
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Chemistry.com Free Communication weekend is back!

Chemistry.com is bringing back their very popular free communication weekend.  Starting today through this Sunday, you can sign up and communicate with other members to your heart’s delight.  The sign up process is pretty painless, and includes a free personality test that is actually kind of fun
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Does Identity Guard offer monitoring of credit card transactions and not just the credit card number? Do they also cover bank transaction monitoring?

The following is an actual user-submitted question: Q:  Does Identity Guard offer monitoring of credit card transactions and not just the credit card number?  Do they also cover bank transaction monitoring? A: Identity Guard does not monitor individual credit card or bank account transactions.  Instead they monitor
[Read More]

Which of the 3 credit reports matters the most?

The following is an actual user-submitted question: Q: Which of the 3 credit reports matters the most? A: The short and sweet answer is that they all matter.  Every U.S. citizen who has had some sort of credit activity, whether that be applying for a credit card,
[Read More]

If I start a service with an identity theft company, and they find that I have had some identity theft that I am unaware of, how is that fixed? Will they help to correct the problem? Will they deny service until it is fixed?

The following is an actual user-submitted question: Q: If I start a service with an identity theft company, and they find that I have had some identity theft that I am unaware of, how is that fixed? Will they help to correct the problem? Will they deny
[Read More]

How can I dispute my credit report after someone has used my social security number?

Q:  How can I dispute my credit report after someone has used my social security number? A: I’m making some assumptions based on your question, but it seems that there are actually 2 issues involved.  The first is if someone used your social security number for gain,
[Read More]

I do not have a printer. How else can I get my credit score?

Q:   I do not have a printer.  How else can I get my credit score? A:  Luckily, you do not need a printer to obtain your credit score.  The majority of our credit report monitoring services give you full access to your credit report and credit score
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Try eHarmony & PerfectMatch.com for FREE this weekend

If you’ve got some time this long Fourth of July weekend, both eHarmony and PerfectMatch.com are having free communication weekends.    Today through Monday July 5th you can get your groove on, commitment-free (no pun intended).   Sign up, look around and have the full online dating experience at
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Facebook tightens up application privacy

Facebook has launched a new privacy feature requiring outside applications to inform users exactly what information they will be using. Previously, third-party applications using Facebook needed to ask users if they could access non-public profile information. However, they didn’t need to specifically tell users what information they’d
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Feel the love, Apple-style

The launch of a new online dating site only for Apple enthusiasts has the online community aflutter.  Cupidtino caters specifically to Apply fanboys and fangirls who can’t get enough of their Mac/iBook/iPhone 4 and thinks their mate should feel the same way.  The site launched it’s beta
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I went to annualcreditreport.com to get my credit report, and it is saying I’ve already used another website to my credit reports – but the last time I used that website was 2009. Can I still get my credit reports mailed to me, or do I have to wait until next year to get them?

Q:  I went to annualcreditreport.com to get my credit  report, and it is saying I’ve already used another website to get my credit reports – but the last time I used that website was 2009.   Can I still get my credit reports mailed to me, or
[Read More]

Do you have a diet containing no wheat, barley or rye for celiac patients?

Q: Do you have a diet containing no wheat, barley or rye for celiac patients? A: That’s a tough one.  The majority of meal delivery plans do include gluten, so they wouldn’t be appropriate for those with celiac disease.  However, we were able to find some potential
[Read More]

Chemistry.com Free Communication Weekend

Chemistry.com is one of the largest and most popular online dating services, and this weekend you can play in their dating pool for free. From Friday June 11 to Sunday June 13, you can sign on, create a profile and starting contacting and flirting with other members
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Financial Aid Information: NextAdvisor.com Launches New Resource

Getting ready to apply for (or go to) college, but have no idea where you’re going to get the money to pay for it? Never fear, NextAdvisor.com has put together a whole section on financial aid information and helpful links. This is an excellent place to start
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Would it be overkill to use both Trusted ID and Identity Guard for identity theft protection and credit report monitoring?

Q:   Would it be overkill to use both Trusted ID and Identity Guard for identity theft protection and credit report monitoring?  I feel that although some of the features that the two companies offer overlap, each one seems to offer something a little different. Also, what
[Read More]

NextAdvisor.com Launches Internet Fax Reviews

San Francisco, CA (PRWEB) June 3, 2010 NextAdvisor.com, a leading source of reviews for consumer services, has launched its Internet Fax Reviews and Comparisons, designed to help consumers choose the best service for sending and receiving faxes online. NextAdvisor’s reviewers looked at seven leading Internet fax services
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eHarmony Free Communication Weekend

Rejoice – eHarmony’s free communication weekend is back!  Today through this Monday the 31st, you can get the full eHarmony user experience for free.  And it really is free – you don’t even need to enter your credit card information. Just click on the eHarmony link, go
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My credit score is 761, and my wife has a 764 FICO score. We are trying to refinance and are wondering in these are good enough scores.

Q:  My credit score is 761, and my wife has a 764 FICO score.  We are trying to refinance and are wondering in these are good enough scores. A: This is a tricky question, mostly because creditors use their own judgment as to what is a “good”
[Read More]

My purse was stolen, and it had my social security card, driver license and credit cards it. I’d like to sign up for a identity theft prevention service, but I don’t have a credit card right now. How can I sign up as soon as possible without a credit card?

Q:   My purse was stolen, and it had my social security card, driver license and credit cards it.  I’d like to sign up for a identity theft prevention service, but I don’t have a credit card right now.  How can I sign up as soon as
[Read More]

How can I get my credit report from last year?

Q:  How can I get my credit report from last year (July 24th 2009)? A: That’s a tricky one.  According to the 3 credit bureaus (Experian, Equifax and Transunion), you can’t actually get in a time machine and retrieve your credit report from yesteryear.  This is because
[Read More]

Romance is in the air: Yahoo! Personals is now Match.com

It’s true love folks; Match.com is making a serious commitment to Yahoo!Personals.  Effective today Match.com is the exclusive Yahoo online dating site.  The current Yahoo!Personals site is now co-branded with Match.com and users are being encouraged to migrate over to Match.com. Yahoo!Personals members can continue to stay
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I have many online stock broker accounts, and was wondering if Trusted ID will protect them so that no one can get into the accounts and sell or mess with them in any way. Also, I have a separate credit monitoring service. How is Trusted ID different from the credit report monitoring that I have already?

The following is an actual user-submitted question: Q:  I have many online stock broker accounts, and was wondering if Trusted ID will protect them so that no one can get into the accounts and sell or mess with them in any way.  Also, I have a separate
[Read More]

All of our 20 year old son’t personal identification information was compromised. What is the best service to subscribe to in this situation and how can he protect himself in the future?

The following is an actual user-submitted question: Q: All of our 20 year old son’s personal information (SS#, bank accounts, birth date, telephone numbers and address) was compromised. His information was stolen from the HR department at his workplace.  He closed the bank accounts, opened new ones
[Read More]

Will my FICO score be affected by the change in credit card interest rates and other things that have happened during the economic downturn?

Q:  Will my FICO score be affected by the change in credit card interest rates and other things that have happened during the economic downturn?  It seems that everyone’s score is lower now, so is there a new range lenders look at? A: The method used to
[Read More]

There are things listed on my credit report that aren’t true. How do I fix this?

Q:  There are things listed on my credit report that aren’t true.  How do I fix this? A: First, kudos for taking the time to obtain and review your credit report!  It’s an excellent way to make sure your credit history is accurate. You don’t mention which
[Read More]

I just joined myFICO because they send you the credit score that lenders use the most. They have Equifax and Transunion scores. How do I obtain my EXPERIAN FICO score?

The following is an actual user-submitted question: Q:  I just joined myFICO because they send you the credit score that lenders use the most. They have Equifax and Transunion scores.  How do I obtain my Experian FICO score? A: Although myFICO is a solid offering, they only
[Read More]

Does your Identity Guard discount require a coupon code?

The following is an actual user-submitted question: Q:  Does your Identity Guard discount require a coupon code? A: Our Identity Guard discount does not require a coupon code.  The exclusive $3.00/month discount is automatically given.  All you need to do is click any Identity Guard link on
[Read More]

iPhone help for diets. Yes, there’s an app for that!

If you’re tech-savvy and food and/or diet conscious, your life just got easier. The iPhone has multiple apps that will assist you in everything from diet to food shopping. These apps can be a big help and time saver in the battle to eat healthy and lose
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Chemistry.com Free Communication Weekend

It’s back! Chemistry.com is offering free communication weekend this Friday April 30th through Sunday May 2nd. Free communication weekend gives you the full Chemistry.com experience without have to pay for it (thus the “free”!). You don’t even need to provide a credit card. Once you complete your
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Project Working Mom Scholarship

If you’re a working mom in need of a full scholarship to get your degree and achieve your dreams, help is here.  eLearners is continuing their Project Working Mom full-tuition scholarship program.  They’ve already given away over $5 million to moms and dads and are still looking
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We are using Quicken Loans to purchase a home. They say my credit score is 580, but another loan company said my credit score was 612. Why do I have 2 different credit scores?

The following is an actual user submitted question: Q: We are using Quicken Loans to purchase a home. They say my credit score is 580, but another loan company said my credit score was 612. Why do I have 2 different credit scores? A: It’s an urban
[Read More]

What is the best way to report an unpaid debt? We are a very small company and a customer owes a small debt (less than $5000).

The following is an actual user submitted question: Q: What is the best way to report an unpaid debt? We are a very small company and a customer owes a small debt (less than $5000). A: Unfortunately, it’s not easy for a small company or individual to
[Read More]

I have canceled all of my credit cards, preferring to deal in cash only. Can I sign up for TrustedID and pay by mail rather than by credit card?

The following is an actual user submitted question: Q:  I have canceled all of my credit cards, preferring to deal in cash only.   Can I sign up for TrustedID and pay by mail rather than by credit card? A: You do need a credit or debit card
[Read More]

Can I still use my fax machine with Vonage?

The following is an actual user-submitted question: Q:  Can I still use my fax machine with Vonage? A: Yes, you can use your fax machine with Vonage.  Once you’ve signed up for Vonage, you’ll receive the Vonage V-Portal in the mail.  If you have a single Vonage
[Read More]

Will the Trusted ID family plan cover family members not living in the same household?

The following is an actual user-submitted question: Q:  Will the Trusted ID family plan cover family members not living in the same household? A: The Trusted ID family plan includes everybody living at the same address.  This means your family members, spouse, elderly parents and everyone in
[Read More]

If my previous employer is still listed on my Credit Report as my current employer, should I report this to the credit agencies?

Q:  If my previous employer is still listed on my Credit Report as my current employer, should I report this to the credit agencies? A. Yes, you should.  During a review of your credit report if you see incorrect information you should take steps to correct it.
[Read More]

Can we get separate Vonage accounts with different phone numbers on the same internet connection?

The following is an actual-user submitted question: Q:  My mom and I live at the same address and use the same cable connection for broadband internet service.  Can we get separate Vonage accounts with different phone numbers?  Will it be separate phones or will it be like
[Read More]

How do I use Vonage to make international calls without being charged?

The following is an actual user-submitted question: Q: How do I use Vonage to make international calls without being charged? A: Vonage World makes things as easy as possible.  You just dial the number as you normally would, including the international calling code.  If you’re calling a
[Read More]

How can I use Vonage to block unwanted calls?

The following is an actual user-submitted question: Q:  How can I use Vonage to block unwanted calls? A: Vonage provides several ways to block both inbound and outbound calls.  These features are included free of charge with your Vonage plan.  With Anonymous Call Block, you can block 
[Read More]

I live in the US about half the year as a legal resident with the necessary visa but as I am a UK citizen I do not have a social security number. How can I get a credit report?

The following is an actual user-submitted question: Q: I live in the US about half the year as a legal resident with the necessary visa but as I am a UK citizen I do not have a social security number. Without that number none of the firms
[Read More]

Looking for a job? Hide your Facebook Account

As having an online presence leaks more and more into our everyday life, there’s yet another boundary that’s being crossed. Potential employers are scouring the internet for any information about potential applicants. This means if you apply for a job, they’re likely to do a thorough search
[Read More]

Chemistry.com Free Communication Weekend

Chemistry.com has brought back their popular free communication weekend!  If you’ve wondered whether online dating is for you, this is a great weekend to try it out. Chemistry.com is offering free communication and matching to new users from this Friday March 26 through Sunday March 28. Their
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Can I use Vonage with a wireless internet connection?

The following is an actual user-submitted question: Q:  Can I use Vonage with a wireless internet connection? A: Yes, you can.  Regardless of whether your internet connection is wireless or wired, if it’s your personal high speed connection you’ll have a router/modem on the premises.  The Vonage
[Read More]

My FICO score is a different number than the credit score shown by my bank. There is also incorrect information on my credit report – how do I get it removed?

The following is an actual user-submitted question: Q: My FICO score is a different number than the credit score shown by my bank.   There is also incorrect information on my credit report – how do I get it removed? A: Your credit score is based on information
[Read More]

How do you select a phone number when signing up for Vonage? Will it be considered a local call for our friends and family that live in the same town?

The following is an actual user-submitted question: Q:  How do you select a phone number when signing up for Vonage?  Will it be considered a local call for our friends and family that live in the same town? A: Vonage actually goes one better on this.  They
[Read More]

Does Vonage have 800 numbers available? If so, what would be the added cost?

The following is an actual user submitted question: Q: Does Vonage have 800 numbers available?  If so, what would be the added cost? A: Vonage has a pretty darn good deal on 800 numbers.  It’s called Toll Free Plus and would be an “add on” to an
[Read More]

Switch to Vonage and keep your existing phone number

The following is an actual user submitted question: Q:  If we were to switch our business telephone lines to Vonage, could we still keep our existing telephone number?  We’ve had them for 35 years and all of our clients know them by heart. A: I’m happy to
[Read More]

Do identity theft protection services typically include coverage for both husband and wife, or do you have to buy 2 policies?

The following is an actual user submitted question: Q:  Do identity theft protection services typically include coverage for both husband and wife, or do you have to buy 2 policies? A. Typically, identity theft protection services are targeted toward individuals because your social security number is a
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Does Vonage require high speed internet to work?

The following is an actual reader submitted question: Q.   Do you need to have high speed internet for Vonage to work?  Can you buy high speed internet from Vonage? A.  Yes, you do need high speed internet in order for Vonage to function.  Vonage uses VoIP
[Read More]

Credit Report Statue of Limitations

The following is an actual reader submitted question: Q:  How long does debt stay on your credit report? A: According to the FTC’s Fair Credit Reporting act, most negative credit information will stay on your credit report for 7.5 years (7 years + 180 days) from the date
[Read More]

Vonage World Savings for the Military and International Calls

We frequently receive user questions about whether their friend/spouse/coworker can make calls to the US using Vonage World.   In a word, the answer is yes.  That means that if you: 1.  Are in the military, deployed overseas OR 2.  Outside of the US, making calls to the
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Unemployed Tax Filing Guidelines

Being unemployed is more common than not in the current economic climate.  And it comes with it’s own set of questions about how this might affect your 2009 tax filing requirements.   If you spent some (or all) of 2009 unemployed and want to know if you need
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Does Identity Guard accept prepaid credit cards for enrollment?

The following is an actual reader submitted question: Q:  Does Identity Guard accept prepaid credit cards for enrollment? A: Currently, Identity Guard does not accept prepaid credit cards to enroll in their identity theft protection services.  They do, however, accept both debit cards and regular (non-prepaid) credit
[Read More]

Does Credit Report Monitoring include more than one credit card?

The following is an actual reader submitted question: Q:  Does Credit Report Monitoring include more than one credit card? A. Yes, it does.  Credit Report Monitoring keeps tabs on any changes to your personal credit report.  Your credit report covers your entire credit history, which includes all
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New Deal: Vonage World only $14.99 a month

You heard it here first readers:  effective today, Vonage has dropped the price on their Vonage World plan to only $14.99 a month for the first 6 months.  After the 6 month period, it’s $25.99 a month.  This is a great deal because Vonage World lets you
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Save money when you travel with Vonage World

The following post in our Reader Question series is an actual user submitted question: Q:  I live in Florida for 6 months of the year and in Canada for the other 6 months.   Can I take VoIP with me and use it wherever I go? A:
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How a landlord can run a tenant credit report

The following post in our Reader Question series is an actual user submitted question: Q:  What is the best way to do a credit check on a prospective tenant? A: Every experienced landlord or property manager knows that it makes good financial sense to run a credit
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How to remove a fake profile from Facebook

[Editor’s note: You must report fake profiles to Facebook itself using the instructions below. Posting removal requests in the comment section here will not result in profile removal.] The following post in our Reader Question series is an actual user submitted question: Q:   How can I
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How to file a student loan deduction on your taxes.

The following post in our Reader Question series is an actual user submitted question: Q:  I am a single student. What forms do I file to get my student loan deduction? A: A student loan deduction is a federal tax deduction for qualified student loans.   The
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Will VoIP work with a home security system?

The following post in our Reader Question series is an actual user submitted question: Q: I currently subscribe to Comcast for phone, cable and internet and have a land line with Verizon because of my home security system. If I used Vonage to replace my land line
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Can I get a Free Credit Report without a credit card?

The following post in our Reader Question series is an actual user submitted question: Q:   I don’t have a credit or debit card. How can I still get a free credit report? A: Contrary to popular opinion, you don’t need a credit or debit card to
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FAFSA is required for Student Financial Aid

As everyone knows, a higher education is costly.  For those who are interested in financial aid for college, you must fill out the Free Application for Federal Student Aid (known as FAFSA).   The FAFSA is run by the Federal Student Aid, an office of the U.S.
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What to do if someone has stolen your identity

The following post in our Reader Question series is an actual user submitted question: Q:  My friend’s dad is 80 years old and retired. Somehow his grandson has gotten a hold of his social security number. Both the grandfather and his grandson have the same name. The
[Read More]

Free Scholarships for Working Moms

If budgetary restraints are holding you back from achieving your degree, Project Working Mom is reaching out a hand to moms who want to advance their education.  To do this, PWM is providing full-tuition scholarships to busy moms by partnering with a select group of colleges. And
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How to get a new Social Security Card

The following post in our Reader Question series is an actual user submitted question: Q: How do I get another social security card? A: If you have lost your social security card and need another one, you can get a free replacement. The social security office limits
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Chemistry.com Free Communication Weekend

If you’ve ever wondered whether online dating is for you, this is a good weekend to try it out. Chemistry.com is offering free communication to new users this Friday, Saturday and Sunday (2/5 – 2/7). Their special promotion allows you to access all the Chemistry.com subscriber benefits
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NextAdvisor.com Launches Web Hosting Comparisons and Reviews

San Francisco, CA (PRWEB) August 5, 2009 – NextAdvisor.com, a leading source of reviews for consumer services, has launched its Web Hosting Reviews and Comparisons, designed to help consumers choose the best place to host their web site. Specifically created with the first-time buyer in mind, the
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NextAdvisor.com Announces $2,000 Credit Crisis Relief Sweepstakes

NextAdvisor.com offers a $2,000 “bailout” in a sweepstakes designed to help consumers cope with the current financial climate while learning about credit reports and scores. San Francisco, CA (PRWEB) May 20, 2009 NextAdvisor.com, which provides independent reviews and comparisons of financial, self-improvement and personal technology services for
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TrustedID Selected as Best Overall Value for Identity Theft Protection in Latest Review from NextAdvisor.com

REDWOOD CITY, Calif.–(BUSINESS WIRE)–TrustedID, a leading provider of identity theft prevention solutions, announced today that its flagship service, IDFreeze, has received the highest possible five star rating among identity theft protection services from NextAdvisor.com, a leading provider of consumer information. NextAdvisor.com’s ratings are based on months of
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NextAdvisor.com Launches “Lose the Weight this Year: A Common Sense Dieter’s Guide”

San Francisco, CA (PRWEB) December 3, 2008 — NextAdvisor.com (http://www.nextadvisor.com/), the trusted, independent source for comparing the most valuable Internet services, is launching “Lose the Weight this Year: A Common Sense Dieter’s Guide,” a free guide filled with useful advice for those embarking on a new diet
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NextAdvisor.com Launches ‘Credit 101’ Guide for Students

San Francisco, CA (PRWEB) November 12, 2008 NextAdvisor.com, the trusted, independent source for comparing the most valuable Internet services, is launching “Credit 101,” a free guide designed to help students gain a clearer understanding of how to use credit responsibly. This guide covers credit reports, credit scores,
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Carbonite Named Editor’s Choice by NextAdvisor

BOSTON — September 26, 2008 — Carbonite, Inc., the leading provider of online backup services to consumers and small businesses, continues to receive positive accolades from distinguished technology reviewers for its Online PCBackup™ product. Recently, three additional reviews have named Carbonite as their backup service of choice.
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NextAdvisor.com Exposes the Internet’s Black Market for Stolen Personal Information

Identity thieves have created intricate, Internet based black markets to buy and sell stolen personal information. Social security numbers, credit card numbers and other sensitive information is routinely exchanged through the Internet and is then used to perpetrate identity theft against unwitting victims. NextAdvisor.com’s “Inside the Internet’s
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NextAdvisor.com Launches Student Identity Theft Protection Guide

San Francisco, CA (PRWEB) October 7, 2009 — NextAdvisor.com, the trusted, independent source for comparing the most valuable new services, has launched a free guide (http://www.nextadvisor.com/blog/2009/10/06/student-identity-theft-protection-guide/) designed to help college students avoid becoming victims of identity theft. “While identity theft is a serious risk for any individual,
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NextAdvisor Launches Credit Card Guide

San Francisco, California (PRWEB) September 10, 2008 — NextAdvisor.com, the trusted, independent source for comparing the most valuable Internet services, is launching a new comparison of credit cards. This new credit card comparison includes reviews of a variety of different credit cards provided by American Express, JP
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NextAdvisor.com Launches Guide to Internet Security Software Providers

(PRWEB) August 6, 2008 — NextAdvisor.com, the trusted, independent source for comparing the most valuable Internet services, is launching a new comparison of Internet security software providers. Internet security software combines tools that protect consumers and their personal computers from spyware, adware, computer viruses, phishing attacks and
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NextAdvisor.com Launches Free Lost or Stolen iPhone Recovery Guide

San Francisco, CA (PRWEB) July 30, 2008 – NextAdvisor.com, a leading consumer information resource, is launching a free guide to help the millions of worldwide iPhone owners prepare and recover from the loss or theft of their phone. The lost or stolen iPhone recovery guide is also
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NextAdvisor.com Launches Lost Laptop Guide

San Francisco, CA (PRWEB) July 15, 2008 / NextAdvisor.com, a leading provider of independent reviews of consumer services, is launching its free Lost Laptop Guide to help consumers cope with the aftermath of a lost or stolen laptop. Over 12,000 laptops are lost or stolen at U.S.
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NextAdvisor.com Launches “Equifax Credit Report Guide”

San Francisco, CA (PRWEB) July 2, 2008 — NextAdvisor.com, a leading consumer information resource, today launched a free online how-to guide designed to help consumers read, analyze and dispute information on their Equifax credit report (). The guide is the second in a series that the company
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NextAdvisor Launches “MySpace Identity Theft Protection Guide”

San Francisco, CA (PRWEB) June 19, 2008 — NextAdvisor.com, a leading provider of independent service reviews for consumers, is launching its free MySpace Identity Theft Protection Guide to help users of North America’s largest social network protect themselves from falling victim to identity theft. “MySpace’s 110 million
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NextAdvisor.com Names LifeLock(R) the Best Overall Value in Identity Theft Protection.

TEMPE, Ariz. — LifeLock[R] CEO Todd Davis announced today that NextAdvisor.com, a leading provider of consumer information, has awarded LifeLock the highest possible five star rating on its comparison of identity theft protection services. “We are excited to receive NextAdvisor.com’s highest rating for identity theft protection. This
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NextAdvisor Launches ‘Facebook Identity Theft Protection Guide’

San Francisco, CA (PRWEB) March 4, 2008 — NextAdvisor.com, a leading provider of independent service reviews for consumers, is launching its free ‘Facebook Identity Theft Protection Guide‘ to help users of the popular social network protect themselves from falling victim to identity theft. “Our research shows that
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NextAdvisor Launches Guide Designed to Bring Awareness to Identity Theft Crimes Against Children

NextAdvisor, a leading provider of independent service reviews for consumers, is launching its free ‘Child Identity Theft Protection Guide’ designed to raise awareness of the growing threat of child identity theft and give parents simple, actionable tips on how to protect their children from being victimized by
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