Do you have bad credit and want to repair it? Maybe you have no credit history and need a place to start. One way to build your credit score is by using a secured credit card! By making monthly payments with a low credit limit, you will gradually be able to improve your credit history[…]
Your FICO credit score is one of the major factors a lender will consider when determining whether or not to approve you for credit. There are many things that go into your FICO score, which means that there are things that you can do to improve it. Careful attention to your FICO score can help[…]
If you own a small business, you probably should consider establishing some credit in the name of the business, rather than relying entirely on your personal credit. You might be surprised to know that fewer than 50% of small business owners are using business credit cards that are in the name of the business and[…]
Earning miles and points from your credit card is fun—especially when the annual fee is waived for the first year. Once that anniversary comes around, however, you may be required to pay an annual fee—which might not be what you planned. Since you have earned tons of points, you don’t want to simply cancel the[…]
When you start reading the advice of financial advisors, you will discover that most of those experts agree that the first step toward getting out of debt is paying off your credit cards. This will make your budget more flexible when you do not have to make credit card payments each month. But what they[…]
It’s probably very likely that you know that you have a personal credit score, and, if you are really on top of things then you probably even know what that score is. But, as a small business owner, do you realize that your business also has a credit score? Is a Business Credit Score the[…]
It’s no surprise that the average college student graduates with well over $30,000 in student loan debt. However, too many people fail to realize that not paying their student loans, or not paying them in a timely manner, can seriously hurt their credit. A student loan is just like any other loan. It must be[…]
We’ve all been there when it comes to credit cards: your credit limit is expanded by even the smallest margin, and we suddenly assume that we can buy absolutely everything and anything with little to no consequences attached. A few late payments go by that you don’t cover and before you know it, you are[…]
Some might argue that the recent announcement by Chase offering a bonus of 70,000 points for signing up for the Ink Plus business card makes it the greatest offer out there. But, don’t be afraid to explore the options, there are currently some great deals floating around that you might want to take advantage of.[…]
If you believe everything that you read, you will be horrified by the numbers pertaining to the average amount of student loan debt, and the harm that it is causing to millions of people. The reality is, those who have student loans tend to have higher incomes, better credit scores (and therefore lower interest rates[…]