How to Re-establish Your Credit After Bankruptcy

April 10, 2013

If you are recently out of bankruptcy you’re going to face challenges, one of which will be to re-establish your credit. You might think that once you file for bankruptcy you’ll never borrow money again, but the reality of life in the 21st Century is that you will need credit at some point. And rest […]

What is a Good Credit Score for Buying a House?

October 26, 2012

Getting a mortgage today is still difficult. Guidelines are tight, and credit scores matter more than ever. Before applying for a mortgage, there are a few things you need to know about credit scores. Acceptable Mortgage Credit Ranges Believe it or not, there’s no single (or simple) answer here! The credit score range varies depending […]

What is a Good Credit Score Worth?

December 9, 2011

What’s a good credit score worth? A good credit score is vital for loan approval and can help you borrow at lower interest rates.  Depending on how much you borrow a good FICO credit score could be worth hundreds or thousands of dollars. What is a good credit score? A good credit score falls in […]

How to Improve Your Credit Score

April 3, 2011

Improving your credit score is key to borrowing money at lower interest rates. As I covered in my last post about how to lower your credit card interest rates, a low credit score can cost you a lot of money. That post shared strategies from David Bach that you could use right away to pay less in […]

How to Spend Money You Don’t Have

March 5, 2011

If you’ve ever bought a car or a house then you’ve probably spent money that you didn’t have.  Or if you have a credit card you might have paid for something without having the funds to back it up. A hundred years ago, or even several decades ago, it was pretty difficult to buy something […]

Credit Sesame Review

February 10, 2011

Credit Sesame is a website that can give you a free credit score and find you lower interest rates on your home loan and consumer debt. I first heard about Credit Sesame because of the free credit score they offer but after trying it out discovered that’s only part of their approach to reducing debt. Lower […]

myFICO Review

January 11, 2011

myFICO is the consumer credit score site of the creator of the FICO credit score system, Fair Isaacs.  You have several options on the myFICO site for finding your FICO score online and monitoring your FICO score. myFICO does charge for access to your score but offers a free credit score trial to let you […]

Chase Blueprint Review

December 9, 2010

Chase Blueprint is a program available to Chase credit card holders that’s designed to help customers pay off their credit card balances.  Ideally you wouldn’t carry a balance at all but the reality is that many people are in credit card debt.  If you do pay off your balance each month then there really isn’t anything […]

Tips to Improve Your Credit Score

September 15, 2009

Improving your credit score isn’t something that happens overnight but by following the suggestions below you should be able to raise your credit score over time. Don’t Pay Your Bills Late Your payment history is the most heavily weighted factor that goes into your credit score so make sure you’re at least making your minimum […]

Credit Report Disputes

July 1, 2009

One potential way to improve your credit score is to look through your credit reports for any misreported information, such as a late payment, and dispute your credit report.  1) Start off by getting a copy of your free credit report and looking for any errors. 2) If you find anything, check to see if the mistake […]

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