Deanna Templeton

Deanna Templeton

Deanna Templeton is a financial literacy advocate with 15+ years in the banking and consumer credit industries, including five years with FICO in their credit scoring division. She specializes in educating consumers on the importance of healthy credit management, and shares valuable insight on consumer credit and finance issues.

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All of Deanna's posts
Negotiating a Collection Agency Payment Plan: What You Need to Know
Managing Debt

Negotiating a Collection Agency Payment Plan: What You Need to Know

Dealing with an outstanding collection can be nerve wracking, especially when you're trying to do the right thing and make every effort to pay your debt.

Deanna Templeton

Does Paying Off a Loan Early Hurt Your Credit Score?
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Does Paying Off a Loan Early Hurt Your Credit Score?

Does paying off a loan early hurt your credit score? Not directly, but keeping an account open might be good for your score. Find out more at Credit.com.

Deanna Templeton

Does Deferring Student Loans Affect Credit?
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Does Deferring Student Loans Affect Credit?

A deferment or forbearance may give you some breathing room if you can't pay your student loans. But does deferring student loans affect credit?

Deanna Templeton

An Auto Loan Inquiry Dropped My Credit Score 80 Points! What Now?
credit score

An Auto Loan Inquiry Dropped My Credit Score 80 Points! What Now?

One of our readers went car shopping and had an unpleasant surprise when the dealer made a credit inquiry. Can an auto loan inquiry tank your credit score?

Deanna Templeton

Why Are Utilities & Rent Payments Not Included in My Credit Report?
credit score

Why Are Utilities & Rent Payments Not Included in My Credit Report?

A reader recently wrote in to find out why his utilities and rental payments weren't being reported in his credit reports or factored into his credit score

Deanna Templeton

How Long Does It Take to Rebuild My Credit After a Short Sale?
mortgages

How Long Does It Take to Rebuild My Credit After a Short Sale?

After a short sale, it may take time for your credit to recover. With the right tactics, it is possible to rebuild.

Deanna Templeton

Credit Card Judgments: How Long Before They Expire?
Managing Debt

Credit Card Judgments: How Long Before They Expire?

How long it does it take for credit card judgments to come off a credit report? The answer to that depends on several factors.

Deanna Templeton

Should You Use Credit or Debit When Shopping Online?
Credit Cards

Should You Use Credit or Debit When Shopping Online?

Shopping online is fast, easy and convenient -- but it's important to make sure you know and trust the online companies you're purchasing from.

Deanna Templeton

Will Using a Credit Card at a Casino Hurt My Credit Score?
credit cards

Will Using a Credit Card at a Casino Hurt My Credit Score?

We recently received a great reader question about whether where you use your credit card can hurt your credit score.

Deanna Templeton

Will an Employer Credit Check Hurt Your Score?
credit report

Will an Employer Credit Check Hurt Your Score?

Is your credit score affected negatively when you apply for a job and the background check is done?

Deanna Templeton