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5 Ways to Build Credit with a Credit Card
By: Emily Hayes | Source: US News & World Report
“That’s because lenders love it when you regularly pay off what you owe. So your credit score reflects that in something called credit utilization ratio,” “Credit utilization ratio is just a fancy way of asking, ‘How much of your available credit are you actually using?’ It’s such a big deal it represents 30% of your credit score.”
Americans are going into debt over death. Here are affordability tips.
By: Daniel de Visé | Source: USA Today
“This one was a little shocking,” said Howard Dvorkin, chairman of Debt.com. “And it kind of makes sense.”
How to Increase My Apple Card Credit Limit for the Holidays
By: Ben Luthi | Source: US News & World Report
“These requirements are fairly standard among all credit card companies,”
Should you pursue credit card debt relief this November? Experts weigh in
By: Aly J Yale | Source: Money Watch – CBS News
“Credit card issuers are some of the most nervous corporations in the world,” “They loathe uncertainty, and we’re neck-deep in that right now. I expect nothing to change very much for a long time.”
Debt Consolidation vs. Bankruptcy: Which Is Best for You?
By: Amy Boyington | Source: Credible
“If someone is struggling just to make minimum payments on their credit cards, then a loan solves nothing. It just delays the inevitable financial crash.” “If you’ve successfully emerged from debt consolidation, you don’t want to undo everything you just accomplished,” “Never use a credit card to spend money you don’t have. Consider your plastic as a cash replacement, not a floating loan.”
Brand Awareness 101: Spend Wiser And Shine Brighter Beyond Holiday Marketing Campaigns
By: Forbes Finance Council | Source: Forbes
The signal-to-noise ratio is highest during the holidays, so a big spend on brand awareness won’t travel nearly as far. Unless your only busy season is the holiday season, spend just enough not to lose awareness among your competitors. Then ramp it up later when prices are cheaper and the market is quieter. Create your own brand awareness season with sales and education during the rest of the year.
Things You Really Don’t Need to Buy During a Recession, According to Experts
By: Saundra Latham | Source: Cheapism
“If I had a dime for every time one of my clients asked me, ‘Should I buy silver or gold during a recession?’ I still wouldn’t buy or invest in silver or gold. Precious metals do skyrocket in value during recessions, but silver and gold don’t help you when you have bills to pay,”
9 surprising factors that can damage your credit score (and how to fix them)
By: Cassidy Horton | Source: AOL
“Nearly two-thirds of your credit score is determined by just two factors: payment history and how much you owe,” says Howard Dvorkin, CPA and chairman of Debt.com.
Survey Finds Shocking Link Between Debt and Divorce
By: Declan Gallagher | Source: Men’s Journal
“Couples will talk about everything from where to live to how many kids to have—but too many still avoid talking about money,” “When credit card debt goes unaddressed, it doesn’t just strain a budget—it strains a marriage. Our survey shows younger generations are paying the highest price for staying silent.”
FTC Busts Illegal Debt Relief Operation: Here’s How to Protect Yourself
By: Gina Freeman | Source: U.S. News and World Report
“‘Learn about the government program the government doesn’t want you to know about!’ Why would the government create a program to help people and then keep it a secret? Avoid companies making such outlandish promises,”
Credit Card Charge-Offs Soar: The Do’s and Don’ts Every Consumer Should Know
By: Natalie Campisi | Source: Forbes
“Lenders are jittery people. They live with the constant worry that their customers won’t pay them back,” says Howard Dvorkin, certified public accountant (CPA) and chairperson of Debt.com
Who Americans Trust for Financial Advice in 2025 — and Why It Varies by Age and Income
By: Gabrielle Olya | Source: GOBankingRates
“The internet is a great tool to find information — the problem is most people don’t know how to use the tool correctly when it comes to financial advice,”
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Why Financial Literacy Month Still Isn’t Working
By: Howard Dvorkin | Source: Kiplinger Advisor Collective
Awareness has its limitations. The problem with awareness days, weeks and years is that they seldom reach the people who really need them. Many of those who pay attention have already realized they need help.
Poll: Renters Want to Buy a Home for the Wrong Reasons
By: Howard Dvorkin
A recent survey shows renters want to buy to “customize their home.” As a CPA I have a problem with thinking about money that way.
Back-to-School Shopping Will Soon Become a National Crisis
By: Howard Dvorkin
A recent survey of 1,000 U.S. adults shows more a third of parents are planning to go into debt for back-to-school supplies.
What The Pandemic Taught Companies About Leadership
By: Howard Dvorkin | Source: Forbes
Nothing terrifies an entrepreneur more than doing everything right and still seeing things go wrong. I thought I’d been through all the possible challenges of entrepreneurship, and I believed those battles have forged my character.
Financial Wellness Is Now a Requirement, Not a Perk
By: Howard Dvorkin | Source: Entrepreneur
One of the most stressful aspects of being an entrepreneur is knowing exactly what you need to do, but lacking the time and money to do it when it’s needed. And sadly, it doesn’t get any better as your business grows bigger.
How to raise your credit score during a pandemic – while being a couch potato
By: Howard Dvorkin
Experian Boost, a free year-old service that’s helped millions of Americans improve their credit scores, recently announced that its members can add video streaming payment history to their Experian credit reports.
How your pandemic finances are just like science fiction – and a horror movie
By: Howard Dvorkin
If you’ve ever heard the term “debt cancellation,” it might sound like a great idea. Simply cancel the debts many Americans owe, and we can get this country moving again. Problem is, canceling debt doesn’t actually make it go away.
You Can’t Cancel Debt — You Can Only Move It Around
By: Howard Dvorkin | Source: Forbes
I’m a CPA and personal debt specialist, not a lawyer, so I don’t want to discuss the legal issues. I want to talk about the practical and personal implications of debt cancellation — a noble yet dangerous concept.
The Real Villain In The HEROES Act
By: Howard Dvorkin | Source: Forbes
Congress loves its acronyms, so the follow-up to the CARES Act, which stood for “Coronavirus Aid, Relief, and Economic Security,” is the HEROES Act. That’s short for “Health and Economic Recovery Omnibus Emergency Solutions.” To me, they’re both abbreviations for trouble.
Don’t Listen When Your Customers Say They’re Reining in Spending
By: Howard Dvorkin | Source: Entrepreneur
I don’t build cutting-edge computers. I help people get out of debt. And because I deal with Americans who have spent too much on iPhones and a hundred other consumer products, I have a perspective that Steve Jobs never did.
The Pandemic Is Deadly, But It’s Not Transformative When It Comes To Spending
By: Howard Dvorkin | Source: Forbes
In this awful moment, you might think everything will be different from now on. Sadly, when it comes to consumer spending, it won’t.