Sammy Tran articles

Worried man with credit card

I closed a credit card and my credit score dropped immediately. How long does this damage last?

Closing a credit card can feel like a clean break, until your credit score updates and suddenly looks worse. That dip is common, and it can show up as soon as the account closure is reported to the credit bureaus and the scoring model recalculates. The good news is that most of the “damage” is not permanent, but the timeline depends on what exactly changed on your credit report.
March 11, 2026 Sammy Tran

I made a budget and lowered my spending, but my credit card company lowered my credit limit based on my lower spending habits. What can I do?

You cut spending when times were tough, then your credit card issuer lowered your charge limit because your spending went down. What can you do?
March 10, 2026 Sammy Tran
Woman in Red Sweater Holding Tablet Computer

I accidentally deposited the same check twice using mobile deposit. What actually happens now?

If you accidentally deposited the same check twice with mobile deposit, you are not the first. It usually looks like free money for a moment because your bank may give you a fast “availability” credit. The suspense part is that the banking system is built to catch duplicates, and it often does.
March 9, 2026 Sammy Tran

I’m set to inherit $125K from my dad’s estate. My husband and I are separated but haven’t filed for divorce. Can he take half my inheritance?

Money you receive inherit doesn't normally get split up in a divorce, but there are important steps you have to take first.
February 25, 2026 Sammy Tran
Nice elderly lady in glasses holding individual income tax return form and smiling while sitting at the table with laptop

Changing Social Security Rules In 2026 Could Take Some Americans By Surprise

Social Security changes in 2026 include a 2.8% COLA, higher earnings limits, updated wage caps, and tougher overpayment rules. Here is what retirees must know to avoid costly benefit surprises.
February 20, 2026 Sammy Tran

I got a notice for unpaid electric bills even though my rent has always included utilities. My new landlord doesn’t return my calls. What can I do?

If your lease agreement states that utilities are included in rent, any extra utility bills are cause for immediate action.
February 20, 2026 Sammy Tran

My husband is filing for Chapter 7 bankruptcy. Our finances are separate but we live in a community property state. What does this mean for my finances?

Bankruptcy is stressful, and it gets even more complicated when one spouse declares bankruptcy within a marriage.
February 13, 2026 Sammy Tran

I left a good paying job to accept a great new offer. Then my new employer shut down after only a week. What can I do?

If you take a good job offer and the new organization shuts down after a week, you'll need to act quickly to get back on track.
February 5, 2026 Sammy Tran