Credit & Debt
News, insights and expert analysis on credit & debt from the team at Kiplinger.
Latest
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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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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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Treat Home Equity Like Your Other Retirement Investments
Homeowners who are considering using home equity in their retirement plan can analyze it like they do their other investments. Here's how.
By Jerry Golden, Investment Adviser Representative
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How a Home Equity Line of Credit (HELOC) Works
You can use home equity to pay off high-interest debt or improve your home, but it’s important to understand the risks.
By Emma Patch
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Extended payment plans can help ease the sting of a big-ticket purchase. But beware of costly missteps that can add to your price.
Don't Make These 'Buy Now, Pay Later' Mistakes
By Kerri Anne Renzulli
