Personal Finance
Use Bankrate's advice and tools to help make all of your personal finance decisions.
Latest Articles
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Can a goodwill letter get late payments removed from your credit report?
Goodwill letters can convince creditors to remove late payments from your credit report.
6 min read Mar 28, 2025 -
The pros and cons of debt relief programs
Discover which debt relief options exist, how they work and their pros and cons.
9 min read Mar 27, 2025 -
Current credit card interest rates
View current credit card rates based on Bankrate.com’s weekly national survey of large banks and thrifts.
4 min read Mar 27, 2025 -
What is debt collection and how does it work?
Learn what a debt collector is and how one can impact you.
6 min read Mar 26, 2025 -
Pros and cons of debt consolidation: Is it a good idea?
Weigh the pros and cons to decide if debt consolidation is right for your situation.
6 min read Mar 26, 2025 -
7 steps to remove old debt from your credit report
If old debt is still haunting your credit report, you don’t have to live with it.
5 min read Mar 26, 2025 -
Want a lower credit card interest rate? Just ask
Call your card issuer if you want a lower interest rate, and be ready to negotiate
8 min read Mar 25, 2025 -
How to consolidate debt without hurting your credit
Learn how to minimize negative changes to your credit score when consolidating debt.
6 min read Mar 25, 2025 -
Who qualifies for debt forgiveness?
Debt forgiveness has different qualification based on the type of debt.
6 min read Mar 25, 2025 -
3 steps to calculate your debt-to-income ratio
DTI is your monthly debt divided by your gross monthly income. Here’s what to know.
4 min read Mar 24, 2025