A lot of times people don’t give much thought to their credit score until they actually need it to apply for something like a loan or an apartment. In those instances when you have a short window and need your credit score to be as high as possible right now, there are few things ...
So let’s say you have credit card or student loan debt. Each month you get your statement and you pay the minimum amount due. Then the next month you get your statement and again pay the minimum due. After several months of that you look and it seem like your balance is still the ...
In the last post I talked about getting your credit card interest rate reduced and briefly mentioned balance transfers. Well today I’m going to get a little more in depth and touch on the things you need to know when considering them. You might get these offers in the mail and just ...
So you’re taking the first steps in paying off your credit card debt and you’re looking for ways to save money. Well I’m going to put you on to a tip that a lot of people don’t know. Credit card companies do, at times actually lower your interest rate. I’m ...
We all know the damage that having credit cards can cause if they’re not used responsibly. You could potentially damage your credit and in the long run have trouble getting loans, renting an apartment and a list of other things that are determined based on your credit score. To be ...
A lot of people confuse these two for the same thing and use the terms interchangeably but they are actually different. In short, your credit report is your credit history. It has information about all of your past and current credit accounts, loans, etc. It also shows how long you’ve had ...
The holiday season is wrapping up and some of y’all are scared to even look at your credit card statements because you might have done a little too much shopping or you just have debt that has been lingering and you’ve never attempted to pay it. Well today I want to talk about some ...
So here’s a scenario. You’ve been working hard and you’re finally at a place where your credit is in great shape, you’ve got your finances in order and ready to take over the world. Then one day a relative or close friend hits you up and says they’re trying ...
Disclosure: This content uses referral links. Read our disclosure policy here for more information. If you’re trying to get your first credit card or have already established credit, then you know all the hoops you have to jump through to get your first card. Your credit ...
Have you ever wondered what the magic formula is that makes up your credit score? Here it is and I’m not even charging you for it. It’s actually not as confusing as a lot of people think. Let’s look at them individually. Payment History (35%) The biggest of them all. Do you ...
