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Lindsay Konsko, NerdWallet The only thing worse than getting a nasty surprise is getting a nasty surprise about your finances. For instance, you check your credit score and discover it’s much lower than you anticipated. You wonder, “What went wrong?” Here are 5 unexpected reasons your credit score is lower than you thought it would…

Credit scores come from FICO, which is based off of payment history, current debt, types of credit used, as well as, length of credit history. Each lender interprets scores differently. Typically, any score above 750 is considered excellent, 650 is fair and anything around or under 600 is poor. The higher the score, usually the…

A sudden spike of balance on a credit card Credit card declined unexpectedly Unexpected drop in your credit score Unauthorized inquiries on your credit report New account that you have not opened Debt collectors calling when you have paid bills timely

The TCPA protects consumers from getting text messages, auto-dialled and pre-recorded messages on their cell phone in most cases. Debt collectors, banks and telemarketers often violate this federal law. Calls on your cell phone for someone else’s debt can also be a violation under the TCPA Getting pre-recorded calls or calls from an auto-dialer can…