Carnival Of Credit Score And Debt – Fourth Edition – February 21, 2011

by Hank Coleman

Welcome to the February 21, 2011 Edition of the Carnival of Credit Score and Debt. Thanks for everyone who participated in this edition which is the Fourth Edition.

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Editor’s Choice

Congratulations to this weeks best articles. These three blog posts are our Editor’s Choice!

Big Cajun Man presents Old School Debt Thinking posted at Canadian Personal Finance Blog, saying, “Let’s be clear that the concept of Good Debt is wrong.”

Ben presents What are the Best Credit Cards for You? posted at Money Smart Life, saying, “Six criteria to help choose the best credit card for you and how you spend.”

Craig/FFB presents Ways To Increase and Improve Your Credit Score Without a Credit Card posted at Free From Broke, saying, “Though using a credit card responsibly has great weight on a good credit score, it’s not the only to build up credit. See how you can improve your credit score with a credit card.”

Credit Cards

Ryan Hudson presents When Gift Cards Expire Everyone Loses posted at Best Credit Cards IQ, saying, “A story about a recent gift card expiration experience, and an update on the new laws surrounding gift card expiration dates.”

Robert Alan presents Getting the Most Out of Your Gas Rebates posted at Credit Card Assist, saying, “A few solid tips on how to maximize your gas rebates with your gas rewards credit cards.”

Elisabeth Chan presents What Are Credit Card Hackers? posted at Creditcents: Credit and Personal Finance Blog from, saying, “How safe is your Credit Card information online?”

Marvin Grossman presents Credit Card Ripoffs To Avoid In 2011 posted at CardRatings Blog, saying, “Research uncovers five common ways some marketing companies, through relationships with credit-card issuers, try to get you to sign up for services you won’t use.”

CreditCardGuru presents Citi Secured Credit Card Review posted at credit card forum [the blog], saying, “An unbiased review of the Citi Secured credit card, which they offer to build/rebuild credit.”

Jeffrey Weber presents Using Chase Blueprint to Become a Smart Credit Card User posted at Credit Card Wisdom, saying, “Chase Blueprint can be an effective tool for consumers who need help managing their credit card spending and sticking to budgets.”

CreditShout Kevin presents Why Is It So Hard To Get Approved For An American Express Credit Card? posted at CreditShout, saying, “Many people have a hard time trying to get approved for an American Express card. We take a look at what factors American Express looks at when deciding who gets in, and who gets denied.”

Ask Mr. CC presents United Continental Merger Update: Economy Plus Lives posted at Ask Mr Credit Card.

Praveen presents U.S. Government Phasing Out Tax Refund Checks posted at My Simple Trading System, saying, “The government is trying a pilot program to replace tax refund checks with debit cards”

Silicon Valley Blogger presents I Need A New Credit Card Fast posted at The Digerati Life, saying, “Here are some tips that can help you shop for a new card.”

Michael Pruser presents The SimplyCash® Business Card from American Express OPEN Review posted at The Dough Roller, saying, “Any small business owner would benefit from owning the Simply Cash Business Card from AMEX.”

Michael presents PenFed Premium Travel Rewards American Express® Card $200 Bonus posted at Consumerism Commentary, saying, “The PenFed Travel Rewards Card has the potential to be your favorite credit card, because it’s rewards program is as good as it gets these days.”

Credit Scores

Ryan @ CML presents A Good Credit Score Range Can Save You Money posted at Cash Money Life, saying, “A good credit score can save you hundreds, or even thousands of dollars in interest payments over the life of your loan.”

Robert Alan presents 5 Little Known Ways That Credit Scores Impact Your Financial Life posted at Credit Card Assist, saying, “A few little known facts about credit scores that affect your financial life.”

Sun presents Credit Sesame Offers Free Credit Score and More posted at The Sun’s Financial Diary.

Boomer presents Credit Report Scoring | Boomer & Echo posted at Boomer & Echo, saying, “By law everyone is allowed a free copy of their credit report once a year from or, unfortunately these companies charge extra to get the credit score.”


Martin Kemp presents 3 Things Every Self Employed Person Should Know About Self Assessment posted at Being Self Employed, saying, “Our guide to three things every self employed person should know about filing their self assessment tax return”

Steve Norman presents 5 Things That Affect Your Tax Code posted at Tax Codes, saying, “Our guide to the five most important factors that affect your tax code”

David de Souza presents 7 Things You Should Know About Getting A Tax Rebate posted at Tax Return Blog, saying, “Our guide to when you may be due a tax rebate and how you go about claiming a tax rebate”

John Keeble presents 7 Things You Never Knew About Your UTR Number posted at UTR Number – Unique Taxpayer Reference Number, saying, “Our guide to what your UTR number is, what it is for and why you need a UTR number”

Mr. Money Smarts presents 30 Things Broke People Say (That Keep The Broke) posted at Smart On Money, saying, “Some people get into debt and they just can’t seem to get out. The reason? They hold some questionable beliefs about credit and debt.”

Peter presents Financial Advice That I Wish I Listened To When I Was Younger posted at Bible Money Matters, saying, “Some advice I wished I had listened to when I was younger, to avoid debt.”

BWL presents 9 Tips for Managing Medical Debt posted at Christian Personal Finance, saying, “These are some simple tips for managing medical debt…”

PT presents Staying Motivated on the Long Road to Debt Freedom posted at Prime Time Money, saying, “Paying off debt can be a long process. Here are some tips on how to stay the course when your credit card is burning a hole in your pocket.”

Amanda L. Grossman presents From a Pile of Debt to Net Worth: Part I posted at Frugal Confessions, saying, “I graduated college in 2005 with a diploma, my 193,845-mile Chevy Cavalier, $2,000 in the bank, and approximately $36,000 in student debt. This series details how I made it out of debt.”


Ryan @ MFN presents What Credit Score Do You Need to Refinance a VA Loan? posted at The Military Wallet, saying, “The VA has special requirements for eligibility, ad your credit profile is part of the equation. Find out your credit score requirements and more in this article.”

Ken presents Claiming The Mortgage Interest Credit posted at Spruce Up Your Finances, saying, “Do you have a mortgage credit certificate when you purchased your home? Find out how to claim the mortgage interest credit on your tax return.”

Consumer Loans

Tom @ Canadian Finance Blog presents 3 Different Types of Canadian Personal Loans and How They Work posted at The Canadian Finance Blog, saying, “There are three different types of Canadian personal loans; personal loans, consolidation loans and payday loans.”

Credit Reports

BankMan presents Building the Perfect Credit Profile posted at High Yield Savings Accounts, saying, “Building a perfect credit profile and top rated credit score is possible through a little work and using good credit practices.”

About Hank Coleman

Hank Coleman is the founder of Money Q&A, an Iraq combat veteran, a Dr. Pepper addict, and a self-proclaimed investing junkie. He has written extensively for many nationally known financial websites and publications. Hank holds a Master’s Degree in Finance and a graduate certificate in personal financial planning. Email him directly at Hank[at]

Hank Coleman has written 550 articles on Money Q&A. Learn more about Money Q&A on Twitter @MoneyQandA and @HankColeman.

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{ 6 comments… read them below or add one }

Amanda L Grossman

Thank you for including my article!



Thanks so much for hosting and for the Editor’s Pick!


Big Cajun Man

Thanks for the mention and the prestigious choice as Editor’s Choice, we are humbled by this selection.



Thanks for hosting. Lots of great articles here!



Thanks very much for including our article on credit report scoring.



If you want to buy a house, you will have to receive the mortgage loans. Moreover, my father always takes a college loan, which occurs to be really rapid.


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