Demystifying the common misconceptions about people with add

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Demystifying the common misconceptions about people with add

Or that there is a difference between a charge card and a credit card, and debt settlement is not the same as debt consolidation? Find out the answers to some of the most common credit conundrums below. A charge card and a credit card are not the same. Some consumers do use these terms loosely as if these products are the same, but they definitely are not, says Michael Rose, vice president of payment solutions and technology with Affinity Federal Credit Union.

A charge card requires full payment of the principal amount i. A credit card, on the other hand, allows the cardholder to choose to pay either the balance in full each month, the minimum payment required or any amount in between, says Steve Min, executive vice president and chief credit officer of Synchrony Financial.

In the early days of plastic, charge cards such as Diners Club card were king, but eventually, the concept of tacking on finance charges to revolving balances caught on in the late s, and the industry evolved. Today, American Express is one of the few players left offering charge cards.

What you need to know: If you are someone who tends to rack up card debt, a charge card can force you to keep those balances in check, as you are typically not allowed to roll over any balance. A credit report is not your credit score. While your credit report and your credit score both assess how you use credit, credit reports and credit scores are often confused.

Credit reports are compilations of data collected by the three major consumer credit bureaus: Experian, Equifax and TransUnion. Credit reports include your payment history and the amount of credit you have available and are utilizing for all your accounts.


They also show whether you are in default or have been delinquent on any other reported debt obligations. There are hundreds of credit scoring methods that each provide a different score and change constantly.

You can get all three of your credit reports each year for free via annualcreditreport. You should also take the next step and purchase your credit score at myFICO.

Background to the misinformation

Both credit reports and scores will give you a sense of how your credit profile will look to a prospective lender. Now that you have an idea of how credit reports and credit scores differ, you might be wondering where FICO fits in to all of this.

But there are also other credit scores out there, VantageScore being the other major one. The higher the score, the more creditworthy you are to future lenders.

Demystifying the common misconceptions about people with add

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For people with serious debt problems, it's important to know the difference between these terms, says Ross. Credit counseling agencies are typically nonprofit organizations that provide budgeting and financial education to consumers as well as discussing various options for getting out of debt.

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