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4 Myths about Credit Cards

October 4, 2016

Throughout the years it was frowned upon to use a credit card, and even our parents and grandparents still may not be using them, even though they help build up credit.  Before you avoid signing up for a credit offer that you may have received, there are actually myths about credit cards that are just not true.

It is a Mistake to Use Credit Cards

Sure using a credit card puts you into debt, but it does not have to be bad after all.  There used to be a negative connotation that using a credit card means that you do not have the money to purchase the item, and while that may be true to shopaholics, you actually can earn money back with rewards that can add up to hundreds of dollars per year. …

Filed Under: Credit

Want Excellent Credit? Follow these Excellent Credit Tips and Advice

March 7, 2015

Your Credit Score, if you didn’t already know, is extremely important. It can help you to get lower interest rates on everything from credit cards to mortgages, automobile loans, and practically any other loan you might need. Unfortunately, many Americans simply don’t know what to do, and more importantly not to do, in order to make sure that their credit score remains high. In fact, a survey last year by Credit.com found that, when it comes to credit scores, the average consumer doesn’t understand what actions will help and what actions will hurt their credit. Today’s blog will clear that up for you.…

Filed Under: Credit

What number should your credit score be?

June 26, 2013

If you’re new to credit scores  or credit in general, you might find all of it a little bit bewildering at first. The fact is, understanding your credit score is relatively simple but incredibly vital to your financial health. Simply put, your credit  score is a numerical indicator that financial institutions use to determine your credit risk. The FICO scores the most common and the three largest credit reporting agencies, Experian,  TransUnion and Equifax, tabulate your credit score and allow financial institutions to see it when their considering lending you money.

One of the most interesting things about your credit score is that it doesn’t start out as a great number, you have to earn it.…

Filed Under: Credit

5 Ways to Boost Your Credit Rating

June 5, 2013

A poor credit rating can limit your chances of securing money when you need it most, especially whilst many of us are still experiencing the backlash of the economic crisis. There are actions you can take to ensure your credit rating is the best it possibly can be, this will enhance your chances of having your credit application accepted.

Keep up-to-date with money you owe

No one is expected to have a clean slate, and lenders are well aware that everyday citizens owe money. As long as you are making repayments regularly when they are due, this will not go unnoticed!…

Filed Under: Credit

Want to Learn How to Improve Your Credit Score? Read On

May 27, 2013

One of the most frequent questions that we get from our readers is about their credit scores and, more precisely, how to improve them. They wonder what, for example, having a short sale on their home will do to their credit score or closing the credit card accounts that they’re not using, among many other things. The problem is, that there are no hard, set rules that govern credit reports, credit reporting agencies and also the banks and other financial institutions that report to them.

With that in mind we put together a blog about different questions concerning credit reports and how the actions that you take financially affect it.…

Filed Under: Credit

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