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Bev O'Shea

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Bev O'Shea lives and works in the foothills of the Appalachians. A former editor of MSN's Smart Spending blog, she's a fan of sunsets, college football and free shipping.

Credit Tools

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How a Big Spender Paid Off $30K in Credit Card Debt
How One Woman Paid Off Serious Credit Card Debt in 18 Months
What’s the price of freedom? For Minnesota businesswoman an... read more

January 27, 2014

Managing Debt
Can I Pay a Creditor Less Than I Owe?
Can I Pay a Creditor Less Than I Owe?
Several readers have recently asked, in different ways, whether a... read more

January 23, 2014

Managing Debt
Will Your Grandchildren Ruin Your Retirement?
Could Your Grandchildren Ruin Your Retirement?
They were your pride and joy when they were younger, and now your... read more

January 18, 2014

Personal Finance
Why Is My Spouse's Credit Score Higher than Mine?
Why Is My Spouse’s Credit Score Higher Than Mine?
My husband and I refinanced a mortgage recently, and among the di... read more

January 10, 2014

Credit Score
If I Need a Co-Signer, Does Repaying a Loan Help my Credit?
How Will a Co-Signed Loan Help My Credit?
A Credit.com reader named Scott bought a car that had mechanical ... read more

January 3, 2014

Credit Score
Help -- This Isn't My Bill, but It's My Social Security Number
Help! I Think Someone’s Using My Social Security Number
Imagine going to your mailbox and getting a letter from a collect... read more

December 27, 2013

Identity Theft and Scams