Top 5 credit cards for beginners

If you’re looking for a credit card, you might be getting overwhelmed with all the choices available to you.  A good credit card could help improve your score and save you money in the long-term. In this post, you will … Read More

4 Mistakes That Are Hurting Your Credit Score

If you’re trying to build your credit score, you might be wondering whether you’re making any crucial mistakes. Building a solid credit score can get you into your dream house or car and it can help to lower the monthly … Read More

Do It Yourself Credit Repair Mistakes to Avoid

Do-it-yourself credit repair isn’t impossible, but it’s more complicated than people may realize. Without detailed knowledge of how credit works, it’s easy to jump on solutions that are anything but. Here are a few common credit repair actions that can … Read More

Authorize User vs Co-signer

If you’re looking to help a friend or family member establish good credit, you might be thinking about adding them as an authorized user or even co-signing a loan for them. Now, adding them as an authorized user can be … Read More

I Got Approved for a Credit Card. Now What?

So, you just got approved for a credit card. Hurray! You might be wondering, what happens now? Getting a new credit card may look straightforward, but there are several things you’ll want to do when your new credit card arrives. … Read More

3 Ways to Prevent Post Holiday Shopping Debt

’Tis the season for debt! Are you planning to take out loans to pay for holiday gifts, turkey meals and family travel this year? Well, you’re not alone. Studies show Americans rack up an average of $1,000 in debt during … Read More

How to Get Approved for Credit Cards Even If You Have Bad Credit

Are you having trouble getting approved for credit cards because your credit isn’t picture-perfect? Well, thanks to the many secured credit cards available on the market, you CAN get approved … as long as you know where to apply. You … Read More

5 Important Facts You Should Know To Avoid Credit Card Rejection

What is the shopping cart trick?

The shopping cart trick, also known as the soft pull trick, is a clever method that allows people with bad credit to get a credit card. The shopping cart trick relies on the fact that many websites will pre-approve you … Read More

How is Your Credit Score Calculated?

How your credit score is calculated Your credit score is calculated using an algorithm based on five factors. The most recent derogatory items on your credit profile have a bigger impact on your credit rating than older derogatory accounts. The … Read More

5 Credit Tips You Can Use Now

If you’re coming out of bankruptcy, foreclosure or simply don’t have a very good credit score, there are plenty of things that you can do in order to boost your score. Some are pretty intuitive while others may not come … Read More