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The Motley Fool April 6, 2004 Dayana Yochim	Your APR Is Under Attack As many as 39% of credit card issuers now use what is called the "universal default" clause to raise interest rates on customers who pay their bills late.
The Motley Fool January 12, 2004 Dayana Yochim	APR Attack! A reader asks if it's legal for her lender to raise her interest rate because of unrelated activity on her credit report.
The Motley Fool March 11, 2004 Dayana Yochim	Lenders Sharing Secrets Word is getting around, and banks are comparing notes about your credit.
The Motley Fool January 12, 2005 Dayana Yochim	How To Cheat on Your Lender Having credit card commitment issues? Go ahead, play the field. But also consider the affect new credit (and canceling old cards) will have on your overall credit score.
The Motley Fool August 11, 2004 Dayana Yochim	I'm in Credit La La Land For a grown-up measure of your money-handling skills, look no further than the ubiquitous credit report. More than ever, what this report says matters to even the most conscientious consumer.
The Motley Fool April 21, 2007 Elizabeth Brokamp	The Scoop on Store Credit Cards Beware any promise to lend you money for free.
The Motley Fool January 3, 2006 Dayana Yochim	Credit Score Need a Boost? Getting more credit isn't the best way to improve your score. In the end, the key to improved credit isn't sexy. The passage of time and the responsible use of credit during those years are your best bets for building your score.
The Motley Fool August 2, 2005 Dayana Yochim	The Devil (and Dollars) in the Details Americans spend billions each year on avoidable money mishaps. Although penalty fees and the number of triggers that activate them have been steadily on the rise, banks aren't entirely to blame for the inconveniences they cause.
The Motley Fool March 24, 2005 Dayana Yochim	Don't Fall for a Lothario Lender Being wooed by some good looking credit offers? Don't get all starry-eyed too fast. What should you look for in a money match made in heaven? Here are some tips.
The Motley Fool February 14, 2007 Mary Dalrymple	Fix Your Credit, Reap the Profits Improving your credit score can be great for your wallet. Once you know how lenders weigh your behavior, you can take the right steps to improve your image.
The Motley Fool March 1, 2006 Dayana Yochim	Lothario Lenders on the Prowl Perform a strict background check before you fall for a sweet-talking credit card deal.
The Motley Fool June 20, 2006 Dayana Yochim	Fake Credit Scores for Sale You might be surprised how label-conscious your lender really is. No matter what the scoring scale, all of these systems are designed to achieve one goal -- to see how risky it is to do business with you based on your past behavior.
The Motley Fool March 17, 2006 Dayana Yochim	On High Credit Alert Fear of ID theft isn't the only reason to check your credit report. You want to make sure that what's on your permanent record is an accurate reflection of the true you.
The Motley Fool December 6, 2005 Dayana Yochim	FICO Babble The money shrink is in to help you make sense of your credit score. Together we're going to tackle your deepest FICO fears head-on.
The Motley Fool October 27, 2005 Dayana Yochim	Halloween Scary Story: Creepy Credit Tricks Wanna see something really scary? Open your credit card statement: Killer fees... Monster-sized interest rates... Bomb-making materials... Debt rising from the dead... etc.
The Motley Fool December 29, 2004 Dayana Yochim	What's Your Credit Karma? Know your credit score -- it's important and it affects your life.
The Motley Fool December 15, 2003 Dayana Yochim	It Pays to Cheat Lenders use the lure of single-digit interest rates as a tool to get you to sign up for their credit cards. Used correctly, these deals can help you get out of debt.
The Motley Fool April 29, 2005 Dayana Yochim	Why's My FICO Score Wacky? Wonder why your credit scores are so wildly different? It's because the scoring systems are wildly different.
The Motley Fool December 6, 2004 Dayana Yochim	The Lies Lenders Tell Now that you have the right to a free peek into your credit file, you might be surprised by what everyone's saying about you. It's easier than ever to set the record straight. But you might not want to after all.
Financial Advisor July 2006 Gail Liberman	Credit Score Surprises Credit scores can jump up and bite your financial advisory clients in ways you'd think were almost impossible. More data collected from more sources is used in unexpected ways.
The Motley Fool February 14, 2007 Mary Dalrymple	Know Your Score Find out what lenders really think of you. Your credit score is the result of a statistical computation meant to tell lenders whether it's likely that you'll default on a loan.
The Motley Fool September 2, 2005 Dayana Yochim	Your Free Credit Report Is Here! Finally, the rest of us are allowed a free peek into our credit files. Here are the details behind the Fair and Accurate Credit Transactions Act.
The Motley Fool November 1, 2005 Dayana Yochim	Six Tips for a Clean Credit Record If you want to improve your score, concentrate on what matters most to lenders. Here's what to look for.
The Motley Fool February 28, 2005 Dayana Yochim	Just the FACTA, Mom Residents of 12 more states can now get free copies of their credit files. If you live in the Midwest, you're eligible for a free peek into your personal financial file beginning Tuesday, March 1. Here's why you should mark your calendar for this momentous event.
The Motley Fool October 22, 2004 Dayana Yochim	Six Tips for a Clean Credit Record Don't bother with the small stuff. Here's what really matters to your lender.
The Motley Fool September 3, 2004 Dayana Yochim	Does J.Lo Have Lousy Credit? While being rich and famous can hurt your credit, you however can score a perfect "10." Here's how.
The Motley Fool March 15, 2007 Selena Maranjian	Time for Universal Default to Default? Potential reforms could make this interest-hiking practice a thing of the past.
The Motley Fool April 12, 2005 Dayana Yochim	That's Gonna Leave a Mark What happens when good people make one bad financial mistake? Unfortunately, there is no legal way to remove accurate negative information from your report.
The Motley Fool August 30, 2005 Dayana Yochim	Your Credit Score's All Wrong The author reveals the kinks in the consumer credit scoring system and explains why the credit file you're allowed to see isn't the same one your banker uses.
The Motley Fool June 13, 2006 Selena Maranjian	Universal Default Can Whack You It's the cold shower of the credit card world. It means that one mistake with one creditor can result in significant rate hikes from lots of your other creditors.
The Motley Fool March 22, 2004 Dayana Yochim	America Scores! March Madness extends to credit scoring. How does your state rank?
The Motley Fool January 18, 2005 Dayana Yochim	Don't Erase the Signs of Aging Luckily for those who have changed their charging ways, there's a time limit on how long your bad bill-paying behavior can be used against you. Here's how to polish up your credit act.
BusinessWeek November 28, 2005 Toddi Gutner	Anatomy Of A Credit Score More companies are looking at credit ratings - so managing them is crucial.
The Motley Fool January 20, 2005 Dayana Yochim	Who Has the Keys to Your Credit File? Anyone with a "permissible purpose" can peruse your credit history. Do your own sleuthing and see who has been inquiring about your credit history.
Finance & Development June 2011	Geriatric Deadbeats As the number of older voters relative to younger ones increases around the globe, the creditworthiness of borrowing countries could decline -- resulting in less external lending and more sovereign debt defaults.
The Motley Fool November 30, 2004 Dayana Yochim	Click Here for a Free Credit Report This spiel's for real as part of the updated Fair Credit Reporting Act passed in January that guarantees U.S. citizens a free peek into the credit files the big three reporting agencies keep on us.
AskMen.com Michael Estrin	7 Things to Remember When Borrowing Money Whether you're starting a small business, remodeling your home or just paying some bills, from time to time you'll need to borrow money. When your time comes, here are some things to consider.
The Motley Fool May 3, 2007 Dan Caplinger	Borrow When You Don't Need To You need to use credit to get good credit. Given how many ways your credit score gets used, not having an established credit history can be costly.
The Motley Fool June 30, 2007 Elizabeth Brokamp	Monitor Your Own Credit Don't want pay a credit monitoring service? Do it yourself. To obtain a free copy of your credit report, you have three options.
AskMen.com Michael Estrin	13 Things You Don't Know About Your Credit Report Your credit score is a very important number. Here are some things you didn't know about that mysterious number that will help you improve your rating.
The Motley Fool August 24, 2004 Dayana Yochim	Your Dumbed-Down Credit Score Want to see your real FICO score? Get a job at a bank. FICO (and other credit scoring companies) offers different risk models to banks, insurers, and even landlords than it does to the general populace.
The Motley Fool January 16, 2008 Selena Maranjian	Screw Up and Suffer Holiday credit card charges can really cost you. Via "universal default," credit card issuers could raise your interest rate to 25% or more if you're late paying bills to other parties -- even library fines, in some cases.
The Motley Fool June 24, 2009 Dayana Yochim	5 Ways to Keep Your Credit Looking Spiffy Everything you need to know to guard your credit reputation.
The Motley Fool March 14, 2005 Dayana Yochim	"They" Don't Have All the Answers Answers to reader credit questions on industry rumors, APRs, and a newlywed's credit.
The Motley Fool March 20, 2007 Mary Dalrymple	5 Reasons to Scrimp for a Down Payment Of the million or so hurdles you can encounter between you and your first home, the down-payment hurdle can sometimes loom the largest. It's not easy, but it can save you more money down the road.
The Motley Fool October 13, 2005 Dayana Yochim	Why America's Really in Debt A new study says shopaholism isn't to blame for the average American's debt woes. A new study reveals credit card companies aren't just encouraging card-shuffling when they send out 5 billion solicitations annually. They're cheering on consumers to take on more credit than they can handle.
The Motley Fool May 18, 2004 Dayana Yochim	How Lenders Keep Score Sure, declaring bankruptcy and entering the witness protection program can have an adverse effect on your credit score. But even little things can have a big impact on how lenders look at you. Here are five major areas upon which you're being judged.
Bank Technology News October 2010 Sausner et al.	Balancing Act Here's a look at three areas of mortgage lending -- origination risk, default management, and impending regulations -- and some of the answers on the table today.
The Motley Fool November 9, 2005 Dayana Yochim	Want HBO? Better Check Your Credit The broadband/cable industry join credit card companies, lenders, landlords, insurers, employers, and utility companies in having an industry-specific credit scoring matrix. What does that mean for the consumer?
The Motley Fool April 11, 2005 Dayana Yochim	The Score Is Falling! The Score Is Falling! The author reveals the credit reporting world's secret formula and looks at all the ways your money management can monkey with your credit score.