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James Marshall's Articles

  • How Do Secured Credit Cards Work?
    In today's society, having a credit card is no longer a luxury, it's a necessity. You need a credit card in order to rent a car, book a hotel room, or in the most extreme cases, to rent a movie from the local video store.
  • How to Check Credit Reports
    Businesses in the United States buy more than two billion credit reports every year. Since there are currently fewer than 300 million people in the country, this means that the average adult has his or her credit reports examined by someone about once every other month.
  • How Credit Works
    In order to acquire and maintain access to credit, one must have a working understanding of how credit works - namely, how credit scores are established and tracked by the three major credit bureaus.
  • What is Interest?
    Unless you have a degree in finance, you probably don't know all that you need to know in order to be an informed, responsible credit card user. Now you don't need to be a finance expert to comprehend the basics covered in this article, but after reading it, you might feel like one the next time the subject comes up with your co-workers, friends, or family.
  • Young Adult Credit
    Don't let common mistakes like adding your child as an authorized user or a co-applicant harm his or her future credit. Imagine what a shock it would be if she attempted to buy a car or pass a credit check for an apartment, and she found out that the credit card she'd been making payments to for years isn't on her credit report.
  • Credit Cards - The Basics
    Credit cards have greatly enhanced middle class America's access to credit over the past 20 years, increasing the standard of living for millions of families. And yet, credit card usage is often demonized in the popular press.

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