7.7% of Americans don’t have a bank account, but not everyone is checking-less by choice. If your ChexSystems score affects your ability to open a regular checking account, you still have a chance to put yourself on the road to financial security with a 2nd chance checking account. A second chance checking account is like a checking account for bad credit.

Bankruptcy is by no means game over for your financial life — there are steps you can take to begin rebuilding your credit and eventually, your overall financial health.

No consumer is prevented from acquiring credit solely based on marital status. The Equal Opportunity Credit Act outlaws discrimination of all forms to provide consumers with equal access to credit resources. If you recently experienced a divorce, however, your credit score may be negatively impacted after you separate from your spouse.

Citi Free Credit Score will become the largest credit card issuer to provide free credit scores to their credit card customers. The bank will begin providing these scores on a monthly basis beginning in January 2015 and the scores will only be available online. Citi will provide the FICO credit score which is based on credit report information from Equifax.

Not being able to make the minimum payments on your monthly bills is a scary feeling but unfortunately, delinquency is a common phenomenon that has serious repercussions. If your credit card bill’s due date passes and you don’t make a payment, it’s natural to feel a little panicky. However, there are steps you can take to cope with the situation — emotionally and financially.