Many financial experts don’t really like credit cards because of how many people suffer from credit card debt. However, it can be a beneficial tool if used properly, especially for anyone desiring to increase their credit score. A high credit score will allow you to buy a home, settle in a […]
Plastic Money: Top Tips for First Time Credit Card Holders Read More »
Buying your first car is a great way to start building credit. Even if you have cash in the bank, a car loan will establish your credit history for the future. Many first car purchases must deal with a zero or blank credit score. Unlike the person with poor credit,
Building Credit: Tips for Buying Smart on Your First Car Read More »
Are you planning to buy a house or rent one? If so, then you need to be sure you have a decent credit score. If you have a lot of credit card debt here is a personal finance strategy to help manage both your debt and your credit score. Using Personal Loans to Reduce Debt
Tips to Get Your Credit Card Balances Under Control Read More »
It will come as no surprise to you, that all around the world consumers are collapsing under the pressure of credit card debt. This makes people desperate and in turn they may become easy victims of fraudulent credit card settlement companies. Don’t learn the hard way that settlement companies aren’t magical and can’t make credit
Ending Credit Card Debt … Choosing The Right Option Read More »
Acquiring a Credit History Young people either fresh out of high school or college may have difficulty acquiring their first credit card because they do not have a credit history yet. It may be easiest to get one through your own bank or credit union where you already have an account.
Acquiring Credit and Credit Reports Read More »
Do you make financial resolutions every New Year that you’ll get your finances under control? Do you break them just as often? Here are a few tips to help you meet your financial goals this year. Some are fairly simple ideas from a different perspective, while others will take effort
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Bad credit can make it difficult or almost impossible for you to get approved for any kind of loan or a mortgage, and there’s even a possibility your credit could interfere with your ability to get a job. But fortunately, there are a number of things that you can do to fix your
Rebuilding and Fixing Your Credit in 5 Steps Read More »
Calculating a Credit Score or Rating Credit scoring methods vary from one scoring model to another, but the most widely used scoring system in U.S., Canada and other areas around the world is FICO. The factors are similar and may include: Payment history (35% of the FICO score) – Poor or erratic payment history can
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