Tips to Boost Your Credit Score

Many people are oblivious to the importance of a good credit score until the need arises… at which point it is too late. The awakening could come when you have to move out of a parent’s basement, or take out a loan for a car or startup. The tricky part about boosting your credit score is it doesn’t come overnight, or even after a few months. You have to plan strategically and build up your finances over time. Boost your credit score incrementally using these three simple tips.

How to Up Your Credit Score

Credit is crucial. In fact, your credit score determines your ability to procure auto loans, credit cards and home mortgages. Some might say that it can make or break your financial future. Main Credit Scoring Agencies There are three major consumer credit reporting agencies that operate in the United States: Equifax, Experian and Transunion. When a lender considers […]

Five Activities That Can Ruin Your Credit Score

Five Activities That Can Ruin Your Credit Score If you look on the Internet, you can easily find ways to fix your credit score. From paying your bills on time to disputing incorrect entries, there are dozens of ways to try to repair your score once it has taken a hit. But it is much better not to […]

Tips to Rebuild Good Credit and Your Financial Independence

Whether you have recently filed for bankruptcy or are just looking to build up your credit after some bad debt in the past, there are various paths you can pursue. Keep in mind that it will take some time to rebuild good credit, but you will get through it. Many companies are out there to […]

How to Start Your Credit History

Jump Start Your Credit History You know you need a good credit history if you want to apply for a loan or credit card, but if you are just starting out and haven’t developed a credit history this can be hard to do. In some cases, having no credit is almost the same as having bad […]

How to Hurt Your Credit Score

Your credit score is extremely important in the world in which we live. Nowadays it’s hard to buy anything without having a good credit rating. In some cases, it’s impossible to get a job if your credit score isn’t very good. Because it’s central to your life, you may be punishing yourself by unknowingly doing […]

When is Filing Bankruptcy Necessary?

When you have a lot of debt that has become too much to handle, there are several options you have to deal with it. You can cut back on spending considerably to pay off the debt as fast as possible, get a consolidation loan, settle the debt or file bankruptcy. Bankruptcy is most often a last resort. […]

Credit Cards That Pay You Cash

Credit Cards Hundreds of credit cards are available to you as a means to borrow money. Each credit card has varying qualification criteria, interest rates, and yearly fees. The average interest rate for a credit card is 16.97%, which is pretty hefty. Additionally, some credit cards charge a yearly fee of $19 to $150. Cash […]