Credit locks and credit freezes are ways to restrict and secure your credit report, but there are advantages, disadvantages and differences to using each. Read more.

If you have taken out more than one type of student loan, and one of those loans is private, then it’s a good idea to start paying that loan off first. Read more.

ITIN's are issued to residents with foreign status, while SSNs are issued to U.S. citizens or authorized non-citizens. We'll explain the differences. Read more.

Wondering how long to keep credit card statements? Save tax-related ones for 7 years and others for one year. Learn the proper storage and disposal tips. Read more.

What does annual income mean? Annual income is the total amount of money you have earned during a calendar year. Here is a formula to calculate your income. Read more.

Wondering how student loans impact your credit score? Discover how payments, balances, and repayment plans can influence your credit health over time. Read more.

An NSF fee, also known as an insufficient funds fee, is a common bank fee that often catches people by surprise. We'll explain how to avoid paying them. Read more.

Spending more money than you have in your bank account will leave you with a negative balance. Learn how to avoid a negative balance and next steps to take. Read more.