Barry Paperno

Barry Paperno

Barry Paperno provides a perspective on credit and personal finance that comes from more than 25 years serving the credit industry, representing FICO, Experian, Bank of America, and others.

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All of Barry's posts
Bankruptcy Stays on Your Credit 10 Years and Other Myths
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Bankruptcy Stays on Your Credit 10 Years and Other Myths

How long does bankruptcy stay on your credit? Find out about this and other bankruptcy truths at Credit.com.

Barry Paperno

How Does a HELOC Affect a Credit Score?
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How Does a HELOC Affect a Credit Score?

A home equity line of credit (HELOC) is a great way to take money out as you need it. But how does a HELOC affect a credit score? Learn more here.

Barry Paperno

Can You Check Your Child's Credit Report?
identity theft

Can You Check Your Child's Credit Report?

Each year, 500,000 children under 18 are victimized by identity theft. Can you check your child's credit report to see if their identity is at risk?

Barry Paperno

Credit Reports vs. Credit Scores: What's the Difference?
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Credit Reports vs. Credit Scores: What's the Difference?

Are consumers now more interested in credit reports than credit scores? And free credit reports at that?

Barry Paperno

Are No-Limit Credit Cards Bad for Your Credit?
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Are No-Limit Credit Cards Bad for Your Credit?

Are you carrying a no pre-set limit credit card? If so, it's important to know how it can affect your credit.

Barry Paperno

How Do Student Loans Impact Your Credit?
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How Do Student Loans Impact Your Credit?

One positive feature of student loans is that they can provide an effective way to establish and build credit without the help of mom, dad or a credit card.

Barry Paperno

Do We Need to Change Bankruptcy Rules for Student Loans?
student loans

Do We Need to Change Bankruptcy Rules for Student Loans?

An ongoing debate has ensued over whether a student loan borrower should have the same option of discharging the debt in bankruptcy ...

Barry Paperno

Should You Be Worried About Credit Report Inquiries?
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Should You Be Worried About Credit Report Inquiries?

Though there's an increasing level of consumer understanding of credit scoring, there are some things, like credit inquiries, that are harder to grasp.

Barry Paperno

The 7 Biggest Questions About Debt Collections & Your Credit
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The 7 Biggest Questions About Debt Collections & Your Credit

7 facts to combat some of the fallacies that abound when it comes to collections and credit scores.

Barry Paperno

California's New Homeowner Bill of Rights: What We Can Learn
mortgages

California's New Homeowner Bill of Rights: What We Can Learn

Last week the California legislature passed the Homeowner Bill of Rights to protect California homeowners during mortgage modification and foreclosure.

Barry Paperno