Credit & Debt
News, insights and expert analysis on credit & debt from the team at Kiplinger.
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I'm 61 and need $50,000 for home repairs. Should I borrow, given today's rates, or take a withdrawal from my $950,000 401(k)?
We asked financial experts for advice.
By Maurie Backman
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Credit Score News Could Help First-Time Homebuyers
Lenders who sell mortgages to Fannie Mae and Freddie Mac used to only be able to use FICO for loan qualification. Now there's VantageScore, owned by the three major credit bureaus.
By Ella Vincent
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Best Rewards Credit Cards of 2025
The best rewards credit cards provide generous perks on everyday purchases, helping you protect your money from rising prices. Here are our top picks.
By Sean Jackson
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A New Kind of HELOC Lets Homeowners Fund Remodels on Their Terms
Finance home upgrades gradually, using the equity you already have.
By Carla Ayers
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Which American Express Credit Card is Right for You?
These three American Express cards offer different perks, perfect for the avid traveler, foodie and more.
By Ellen B. Kennedy
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Best Cash Back Credit Cards of 2025
Credit Cards If you're searching for a credit card that rewards you for everyday purchases, we've chosen the best.
By Sean Jackson
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Should You Refinance Your Mortgage Now That the Fed Just Cut Rates?
The Fed just cut rates, so mortgage refinance rates will be cheaper. Should you act now, or wait?
By Donna LeValley
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Planning a Major Home Renovation? 3 Smart Ways to Finance It
From HELOCs to personal loans, here’s how to pay for a major home renovation without draining your savings.
By Paige Cerulli
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16 Retirement Mistakes You Will Regret Forever
retirement From saving too little to claiming Social Security too early, there are plenty of ways that current and future retirees can sabotage their golden years.
By Bob Niedt
retirement
