Heather Barnett , Author at Money Crashers

Wells Fargo Routing Number: State-by-State List

Heather Barnett — Sat, 10 Jun 2023 01:00:00 +0000

We both know why you’re here. Maybe you were too lazy to get up and get your checkbook. Maybe you don’t have a checkbook. But now, you’re expecting a list of Wells Fargo routing numbers. Ask and ye shall receive.

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How to Add Rent Payments to Credit Report (and Boost Your Score)

Heather Barnett — Thu, 08 Jun 2023 13:00:00 +0000

It can be kind of annoying that your biggest, most important payment — your rent — doesn’t even count toward your credit score. Fortunately, these days, you can add rent payments to your credit report to improve your credit score without a lot of hassle.

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Interchange Fees for Credit Cards — What They Are & Impact

Heather Barnett — Wed, 07 Jun 2023 13:00:00 +0000

Interchange fees are one of the hidden costs of using your credit or debit card. But they impact your purchase from beginning to end. Find out more about interchange fees, when you can avoid paying them, and how they should be regulated based on your needs.

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SOFR — What Is the Secured Overnight Financing Rate?

Heather Barnett — Thu, 25 May 2023 13:00:00 +0000

Thanks to widespread manipulation, the all-important benchmark rate known as Libor is out. SOFR is in. Find out how it improves on its predecessor and learn its potential areas for concern.

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Credit Card Co-Signers vs. Authorized Users — Differences Explained

Heather Barnett — Wed, 24 May 2023 13:00:00 +0000

Getting your first credit card is exciting. You start to picture yourself cashing in all those sweet, sweet rewards points. But if your credit history doesn’t meet the requirements for approval, there are options to help you secure a credit card and start building your credit.

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How to Choose a Bank That’s Right for You

Heather Barnett — Mon, 15 May 2023 19:43:40 +0000

With so many options available, choosing the right bank can feel overwhelming. But if you work through it step by annoying step, it’ll be over before you know it.

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Your Rights as a Credit Cardholder — Fair Credit Reporting Act (FCRA) Explained

Heather Barnett — Tue, 25 Apr 2023 17:00:00 +0000

As an American consumer, you have rights when it comes to your credit. From credit score access to the right to prevent fraud, learn about each right you have under the Fair Credit Reporting Act and how to protect them.

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APR (Annual Percentage Rate) — What It Is & How to Calculate It

Heather Barnett — Tue, 14 Mar 2023 13:00:00 +0000

Have you ever wondered what an APR really is? Learn how to calculate it and — most important — how to use it to compare the cost of credit.

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7 Bank Error Types — Examples to Identify, Avoid & Correct

Heather Barnett — Tue, 14 Mar 2023 12:00:00 +0000

Have you ever checked your bank statement and noticed something doesn't look right? Rare though they are, bank errors can happen for a variety of reasons. But if you know what to look for, they’re not tough to spot.

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CreditStrong Review — Build a Strong Credit Score

Heather Barnett — Fri, 03 Feb 2023 18:00:00 +0000

CreditStong is a one-stop shop for building installment and revolving credit. Is it too good to be true? I looked into it to see if it was a good fit for readers and ensure it wasn’t a scam.

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Credit Card Competition Act — What It Is & How It Affects Consumers

Heather Barnett — Thu, 26 Jan 2023 14:00:00 +0000

There’s already a lot of misinformation out there about the Credit Card Competition Act. Before you decide whether you’re in the pro or con camp, it’s important to understand what the law is, how it will work, and who it helps and, yes, harms.

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Credit Bureaus — What They Are & the Top 3 Reporting Agencies

Heather Barnett — Sun, 22 Jan 2023 16:13:00 +0000

You can’t read an article about your credit score without someone telling you to contact the credit bureaus to notify them of errors. But what are credit bureaus, how do they get their information, and what does it mean for you?

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How to Rebuild Your Credit Score — 12 Steps to Follow

Heather Barnett — Wed, 18 Jan 2023 12:00:00 +0000

Rebuilding your credit can take several years, but you can see progress almost immediately once you begin. If your credit score is less than perfect, learn how to fix it to start improving your finances.

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What Is the Gold Standard Currency System & What Happened to It?

Heather Barnett — Wed, 04 Jan 2023 18:00:00 +0000

The theory behind the gold standard is that it keeps overspending and inflation in check. While that sounds like something that couldn’t go wrong, the reality doesn’t live up to the hype.

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Is Balancing Your Checkbook Necessary in the Age of Online Banking?

Heather Barnett — Mon, 05 Dec 2022 22:33:15 +0000

At some point in your life, you’ve probably balanced a checkbook or seen someone do it. But do we really need to do that anymore?

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What Is a Prepayment Penalty for Paying Off a Loan Early?

Heather Barnett — Thu, 10 Nov 2022 14:00:00 +0000

If your loan has one, you need to know what a prepayment penalty is, how to read the terms, and how to avoid them in the future.

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What Are Benchmark Interest Rates & How Do They Work?

Heather Barnett — Mon, 07 Nov 2022 22:15:01 +0000

You’re probably not alone if you’ve always wondered what benchmark interest rates were but were too afraid to admit you didn’t already know. Learn what they are, how they work, and how they affect you.

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How a Good Credit Mix Can Improve Your Score

Heather Barnett — Tue, 01 Nov 2022 21:44:36 +0000

Credit mix receives little attention in the grand scheme of credit score discussions. But for many borrowers, it’s still integral to improving overall creditworthiness. Are you one of them?

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Story by JPMorgan — Chase Wants to Simplify Your Rent Payments

Heather Barnett — Tue, 01 Nov 2022 21:36:03 +0000

If you’re a renter, JPMorgan Chase is coming for your checkbook. The banking and investment giant is piloting a new platform that allows property owners to bill and accept payment digitally. That’s good news if you, like many renters, only keep a checkbook because you have to pay rent. It may be even better news

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How Electronic Check (E-Check) Payment Processing Works

Heather Barnett — Fri, 28 Oct 2022 15:00:00 +0000

E-checks allow you to pay your bills and get your paycheck a lot easier and faster. But it’s important to understand how they work and how they differ from other payment methods.

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