Raise Your FICO Score 50 Points in 72 Hours
Your credit score can have a major impact on your life. Not only do creditors typically check your score when deciding whether or not to approve your application and what interest rate to charge you...
View ArticleCredit Cards to Rebuild Bad Credit and Boost Your FICO Score
Part of rebuilding your credit is proving that you can pay your bills on time. If your bad credit episode left you without any credit cards, you’ll have to open new ones. Since your credit score is...
View ArticleHow to Increase Your FICO Score 50 Points in 30 Days
Sometimes, people make bad decisions and they end up losing their house, car and credit cards that ruin their credit history. There are several legal and highly effective ways to improve your credit...
View ArticleWhy do I Need a Co-Signer?
If you don’t have an established credit history, or if you do have an established credit history but it has some dings, you may need a co-signer to get approved for a loan or credit card. By...
View Article10 Ways to Increase Your (FICO) Credit Score 25 Points
If you haven’t started playing the FICO game yet, here are 10 little-known credit cheats that will help you get to the next credit level. There’s one score that follows you around for life — your...
View ArticleCredit Karma Scam?
So, you can get your TransUnion Credit Score for free? You can get absolutely free credit monitoring? These are services that people pay good money for and Credit Karma, a company that isn’t...
View ArticleAvoid These 5 Credit Score Disasters
Having at least a 721 credit score will give you a chance to secure some of the best financing options on the market, get preferred interest rates on loans and credit cards, and have more negotiating...
View ArticleGet Your FICO Score for Free
So, what is a FICO Score? It’s a number that is formulated based on your credit history helping lenders evaluate your credit risk. Your FICO Score is used to determine credit offers and interest rates...
View ArticleHoliday Season Retailers may Ding Your Credit Score
This holiday season, retailers may nudge you a little harder to sign up for their store credit cards. Perks could include discounts of 10% or more on your first purchase and introductory offers that...
View Article20 Quick Tips to Improve Your Credit Score
There are many misconceptions about credit scores out there. Every time you apply for credit, apply for a job that requires you to handle money, or even apply for some apartment living, your credit...
View ArticleTechniques for Obtaining and Exploiting Personal Information for Identity Theft
Identity theft is a form of stealing someone’s identity in which someone pretends to be someone else by assuming that person’s identity, typically in order to access resources or obtain credit and...
View ArticleDo you Want a Credit Card? Do This First!
There’s no need to waste your time — and some short-term damage to your credit score — by applying for a credit card offer that’s out of your league. This first step is crucial because the information...
View ArticleDoes Your Credit Score Need a Tweak? Here’s How!
A credit score is either a blessing or a curse cast down upon you from the digital cloud. A score of 740 qualifies you for the best interest rate on a conventional mortgage. A score under 640 means...
View ArticleBest Credit Cards After Filing Bankruptcy
It may sound like the stupidest financial move ever: getting credit cards after bankruptcy. But done right, it may be one of the smartest moves you can make for your credit. The main purpose for...
View ArticleThe Best (and Worst) Secured Credit Cards for Rebuilding Credit
This list of popular secured credit cards should be a valuable resource for all of you. Going forward, when I review a secured credit card, I’ll rank it and add it to this list so we have a “master...
View ArticleWhat to do When you Can’t Make Your Credit Card Payments
Can’t make your monthly credit card payments. It is important to understand what you can do in order to avoid late charges, increased interest rates and avoid having your credit score lowered. Taking...
View Article5 Tips to Boost Your FICO Score
Your credit score or FICO is very important as you are defined by this ever changing number attached to your name. It can affect your ability to get a loan, your chance of getting a job and even...
View ArticleCredit Cards With no Limit can Hurt Your Credit Score
Some credit cards come with absolutely no listed limit, which at first may seem like a good thing. In reality, those credit card companies aren’t reporting a credit limit to the credit bureaus and so...
View ArticleHow to Fight a Debt Lawsuit
What happens when you are sued by a debt collector? While it may feel like the end of the world, it’s a pretty routine occurrence in courts across the country. Most debt collection law firms file...
View ArticleHow to Achieve a FICO Score of 785 or Higher
With the average FICO credit score estimated at 690 (the highest possible score is 850), chances are most Americans wouldn’t mind some advice on how to improve. Of all consumers, just 25 percent have...
View ArticleClosing Credit Cards can Hurt Your Credit Score
This has become less “strange” in recent years, but closing your credit cards can hurt your score. What seems like simple financial housecleaning actually affects a variety of factors that go into...
View ArticleGetting Married Won’t Lower Your FICO Score if Your Spouse has a bad FICO Score
You are about to get married, and your Fiance’s FICO Score is 200 points lower than yours. Once you wed, your scores will be combined, and your mate’s low score will pull yours down. If you answered...
View Article8 Quick Tips on how to Raise Your Credit Score Fast
Credit scores — they’re like report cards for grown-ups. It’s a three-digit “grade” you get on a scale that ranges from 300 to 850. Your score indicates your creditworthiness to potential lenders,...
View ArticleCredit Checks Determine if Your Creditworthy
Well, the notion of credit for a job well done extends beyond your personal, academic, or professional achievements and into your financial life. In the financial sense, credit is an agreement between...
View ArticleThings You Can do to Improve Your FICO Score
Keep in mind that changes in your FICO score take a long time to occur but if you live by the following guidelines, your credit score will improve over time. Review your credit reports regularly for...
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