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Now that Discover has ended its no fee balance transfer promotion, you may be wondering if there are any other alternatives out there.

In short, the answer is an unfortunate “no.”

That’s right; no other credit card issuers are brave enough to offer a no fee balance transfer credit card at the moment, perhaps still spooked from the credit crisis that appears to be nearing its end.

Even pre-credit crisis, I don’t think Chase offered a no fee balance transfer; only Citi seemed to take that plunge.

So why is this post titled, “Chase No Fee Balance Transfer?”

Well, you may have noticed the “?” in the title. It’s there beca

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A new service called “Credit Sesame” gives you access to a monthly updated free credit score based on credit profile information pulled from credit bureau Experian.

While this sounds pretty cool, keep in mind Credit Sesame uses Experian’s National Equivalency Score, which is not a Fico score.

However, it does rely upon the Fico score range, which ranges from 300-850, so that’s a plus.

But they don’t provide a credit report with payment information and tradeline activity, so it’s a bit limited.

The good news is that the credit pull is a soft one, meaning it will not hurt your credit score (since you’re not applying for a loan or any other type of credit).

Signing Up for Credit Sesame

So out of curiosity, I decided to sign up for Credit Sesame – they ask quite a few personal questions, including home address and annual household income, but alas, I continued.

They then ask for your social security number, which is used to pull credit information from Experian (this is standard practice, so don’t freak out).

After that, you must answer a few questions about what may appear on your credit report to verify your identity.

Once registered, Credit Sesame provides you with your credit score instantly, along with your monthly liabilities, which is the combined minimum monthly payments for all your credit card debt and loans (auto leases, mortgages, etc).

They also provide your credit usage, which is the amount of your revolving credit currently in use. The lower the per

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Certain actions can negatively affect your credit score, such as hard inquiries, accounts in collections, tax liens, bankruptcies, and foreclosures. And these topics come up frequently in the Credit Advice center, a community-powered Q&A forum. Credit Karma users use the advice center to ask or answer questions all about credit scores, debt, credit cards, loans, and more.

Last week we hard credit inquiries and accounts in collections, and this week we’re discussing how negative actions with credit over-utilization and tax liens affect your credit score.

Here are responses to common questions about credit over-utilization and tax liens.

Credit Over-Utilization

• Credit card utilization has become a popular discussion topic since it is a simple way to impact your credit score. F

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When one applies for credit, he or she will be a risk element for the loan provider. Therefore the lending company will obviously like to look into the credit worthiness. For looking at the actual credit merit the lender will require phone one or just about all three credit scores which are coming up from the three top credit agencies; specifically Equifax, Experian, as well as TransUnion.

Options that Come with Credit scores

Main options that come with credit scores made by the credit agencies tend to be:

· Each from the credit scores provide the statement within the file taken care of about the citizen worried about the actual credit bureau. Read more…

Marriage is hard enough. Throw money into the mix, and it gets harder.

This week we conducted an informal poll on Facebook, asking how married couples should manage money: together, separate, or a little of both. One of our Facebook fans commented, “As long as the bills are paid, you have money set aside, and both spouses can agree on financial decisions, there is no correct or incorrect way to approach this.”

Before you say your vows, decide with your significant other whether you’ll combine your finances, keep them separate, or choose a combination of the two. To he

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Several actions can negatively affect your credit score: hard inquiries, accounts in collections, tax liens, bankruptcies, and foreclosures are some of the most common. But how do they really affect your credit? For how long will it affect your credit score? What can you do if you think the negative information is inaccurate?

All of these are commonly asked questions over in our Credit Advice center, a community-powered Q&A forum. Credit Karma users are always prepared with great answers, many times straight from their own financial experiences.

Here are some responses to the common questions around hard inquiries and accounts in collections.

Hard Credit Inquiries

• Credit inquiries will fall off your report after 24 months.

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