Personal Finance Articles

Check Your Financial Health

February 24, 2019

Your financial health is important. Spending your money wisely, borrowing to improve your situation, saving for the future and planning are crucial...

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Can UltraFICO Help You?

Betsalel CohenJanuary 13, 2019

UltraFico is a new credit score model to help you if you have a thin credit file. The new UltraFICO score uses your bank and deposit to improve...

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Can Alternative Credit Data Help?

Betsalel CohenMarch 25, 2018

Alternative credit data and scores can help millions of consumers gain access to credit. Traditional credit data and credit scores do not contain valuable...

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Minimum Credit Score

Betsalel CohenFebruary 25, 2018

There is no absolute minimum credit score. Minimum credit score requirements vary between loan products (auto, mortgage, or personal loan). However, your...

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Credit

December 31, 2016

Free credit help and resources that help you build and maintain a strong credit score. Keep your credit life in good shape by...

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Pay for Delete? Learn to Dispute!

Betsalel CohenDecember 20, 2016

Before you pay to clean up your credit report, learn how to dispute accurate items. Be wary of pay for delete offers. Know your rights under the FCRA and FDCPA.

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Bad Credit

Daniel CohenDecember 8, 2016

Bad Credit Tips | Learn how to tackle your bad credit and what options are available to you. Find help to get Bad Credit loans, debt help and credit advice.

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IRS Tax Relief Overview

Daniel CohenNovember 20, 2016

Tax Relief tips and advice that you need to know to deal with IRS Tax debt. Discover the various tax relief options available and how to protect yourself if...

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Free Credit Check

Daniel CohenMay 12, 2016

Consumers have three ways to check their credit score, including signing up at Credit Karma, asking a lender for your score, and signing up a for fee-based...

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Home Purchase Credit Score

Bills.com TeamJanuary 7, 2016

Purchasing a home could affect your credit score, but unless you bought a home that is far beyond your financial means, then it is probably not the home purchas

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Voluntary Repo And It's Affect On Your Credit Score

Bills.com TeamNovember 14, 2015

How much will a voluntary repossession drop my credit score?

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Free Credit Report

Daniel CohenSeptember 16, 2015

Free credit report | Free credit reports are a very valuable tool that will help you monitor your credit score and maintain good credit health. Use the tools...

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Establishing an IRS Installment Agreement

Daniel CohenSeptember 4, 2015

Establishing an IRS Installment Agreement | Get tips from about how to properly set up an IRS Installment Agreement, the fees the IRS charges to set and...

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Personal Budget

Brad StrohMay 7, 2015

A important part of creating a budget is understanding how much money you are making and spending. Start by creating your monthly budget worksheet and know how

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Fidelity and European Debt Crisis

Betsalel CohenMay 7, 2015

Fidelity Retirement Accounts and the European Debt Crisis | Your 401(K) and retirement accounts are affected by the European debt crisis. Learn how to...

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Analyzing Your Cash Flow

Brad StrohMay 7, 2015

Budget Guide - Analyze your Cash Flow | Analyze your actual vs. projected expenses and income to determine where you can improve your cash flow. Learn how you..

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Telephone Consumer Protection Act

Bills.com TeamApril 30, 2015

The Telephone Consumer Protection Act is a federal law setting the rules anyone making a telephone sales call to your home must follow. They may not call...

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7 Ways to Improve Your Credit Score

Daniel CohenApril 14, 2015

Learn 7 sure-fire ways to improve your credit score quickly and efficiently. Most of these techniques are simple and easy to accomplish...

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FICO Score Calculation

Daniel CohenApril 13, 2015

If you have questions about your FICO Score or your credit rating, check out Bills.com for free credit advice and tips.

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Debt Settlement Taxes

Bills.com TeamApril 8, 2015

Did you settle a debt for less than the full amount due? If you did, you may have to pay debt settlement taxes on the amount shown in a 1099-C. But there is...

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Bills.com Money Coach

Daniel CohenMarch 26, 2015

Money Coach | Money coach is a service offered by bills.com that will help you improve your financial fitness. Contact a bills.com Money Coach for a free consul

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IRS Offer in Compromise

Daniel CohenMarch 9, 2015

Form 656 Offer in Compromise | Do you want to reduce your IRS debt? Submit an IRS Form 656, Offer in Compromise, on your own or using a tax pro. Learn how, at b

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Lexington Credit Repair Reviews

Daniel CohenMarch 7, 2015

Lexington Law Firm can help you remove inaccurate information on your credit report. You can do this yourself for free. Read these Lexington Law reviews to...

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Credit File and Employment

Mark CappelMarch 7, 2015

Does employment history effect your credit rating? Find answers to questions such as these and more at Bills.com

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Social Security Garnishment

Daniel CohenMarch 5, 2015

A judgment-creditor may not garnish Social Security benefits, but federal agencies may do so. Some money in your account is exempt from levy, but the limit...

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My Spouse's Employer Stopped Deducting Taxes From His Pay

Mark CappelFebruary 19, 2015

My husband's employer recently stopped deducting taxes from his paycheck. They say it's an Obama tax plan. Do you know of any plan in the works to account for t

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Property Tax Interest Rate in Kentucky

Mark CappelFebruary 19, 2015

What is the interest rate on delinquent property taxes in Kentucky?

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Fixing a Tax Filing Error

Daniel CohenFebruary 19, 2015

Tax Filing Error | You need to fix certain tax errors by filing an amended tax return. You may need to get professional help to fix tax filing errors, if you...

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Cancelled Debt is Taxable

Mark CappelFebruary 19, 2015

If you resolve a debt with a creditor to repay a debt for less than the balance due, this is considered income for tax purposes.

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Gift and Capital Gains Tax

Mark CappelFebruary 19, 2015

Get advice on how best to handle issues relating to gift and capital gains tax. Bills.com can help you save on your taxes.

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Capital Gains on Farm Sale

Daniel CohenFebruary 19, 2015

Review the rules for capital gains on selling property, with specific information about tax issues surroundin capital gains taxes for farm sale. Be sure...

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Common IRS scams

Daniel CohenFebruary 19, 2015

Common IRS Scams | Taxpayers are advised to be on their guard for scammers who impersonate the IRS to steal financial information or personal identity...

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Listing of IRS Notices for Individuals

Daniel CohenFebruary 19, 2015

If you receive an IRS notice, be sure you understand it. Review the different kinds of notices, what they mean, and how to respond to them. Make sure...

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The IRS' 2011 Dirty Dozen Tax Scams

Daniel CohenFebruary 19, 2015

Every year, the IRS issues warnings about common tax scams. Review the IRS' Dirty Dozen tax scams for 2011 at bills.com.

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Itemize Deductions or Standard Deduction

Daniel CohenFebruary 19, 2015

Free advice from bills.com on how to decide if you are better off taking the standard deduction on your federal tax return or itemizing your deductions.

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IRS Recordkeeping Tips

Daniel CohenFebruary 19, 2015

Tips for Keeping Good Tax Records | Keeping accurate tax records will reduce your stress and help you avoid problems with the IRS. Make sure to...

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Six Tax Tips for Newlyweds

Daniel CohenFebruary 19, 2015

Tax Tips for Newlyweds | Just Married? Free tips and advice so you avoid stress when it's time to file your taxes. Make sure that you...

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Tax Tips for Military Families

Daniel CohenFebruary 19, 2015

Tax Tips for Military Families | Save money by claiming the tax deductions that are specially designed for military families. It is very important that you...

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Tax Tips When You Sell Your Home

Daniel CohenFebruary 19, 2015

Tax Tips When You Sell Your Home | Selling your home can cause serious tax consequences. Make sure that you know the right steps to take. Start by...

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Save Money on Taxes When You Move

Daniel CohenFebruary 19, 2015

Tax Tips for Deducting Moving Expenses | Save money on your income taxes. Take advantage of every deduction the IRS allows you for moving expenses. Make sure...

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How to Get Your IRS Tax Records

Daniel CohenFebruary 19, 2015

Tax Tips on Ordering Your Tax Records | Learn how to get copies of your IRS Tax Records and IRS Tax Transcripts. It is very important that you understand the...

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Social Security Disability Advocate

Daniel CohenFebruary 19, 2015

Learn the role, qualifications for, and fees earned by a Social Security disability advocate service providers.

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Learn about Pension Plan Options

Daniel CohenFebruary 19, 2015

Create a retirement pension plan that fits your employment situation and future financial needs. Balance you pension plans between 401ks, social security,...

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Tax-Free Retirement Accounts

Bills.com TeamFebruary 19, 2015

Video Introduction to 401(k) and IRA Retirement Accounts | View a brief introduction to retirement accounts from Bills.com's Park Brees. Learn how...

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Home Ownership & Retirement

Daniel CohenFebruary 19, 2015

Retired homeowners who built up a lot of equity in their home can free up some cash with a refinance or reverse mortgage.

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Can My Father's Social Security and Pension be Garnished?

Mark CappelFebruary 19, 2015

Social Security and Pension Garnishment | If a judgment has been issued against a debtor a wage garnishment might be issued. Pension and social security is...

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Defined Benefit Pension & Annuity

Mark CappelFebruary 19, 2015

Defined Pension Benefits and Annuity | IRAs have clearly defined rules for when the account holder can access the funds without penalty. Also, if the account...

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Dealing with Debt Problems on Social Security Income

Mark CappelFebruary 19, 2015

If you are on fixed income such as Social Security, a debt settlement program might be a good idea. Read more to learn about debt relief options when on fixed

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Cashing CD Penalizes Grandmother

Mark CappelFebruary 19, 2015

My mother gave CDs to her grandchildren, and her attorney warned against redeeming them for five years. Why? I do not know, and suggest you ask the attorney for

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401K Hardship Withdrawal

Daniel CohenFebruary 19, 2015

401(k) Hardship Withdrawal Rules | Many 401(k) plans allow you to make a hardship withdrawal, if you meet the strict definition of a hardship. You have to ...

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