credit - repair manual

Credit Repair Manual

If you have poor credit, it’s easy to be tempted by promises of quick fixes. Perhaps you’ve heard radio ads that say they can make

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How to Dispute Credit Report Errors

If you’ve ever had to borrow money to buy a home, take out a car loan, or start a new business, you probably know just

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What Happens When You Cancel a Credit Card?

There are myriad reasons you might consider closing an old credit card. Perhaps you’ve spent too much on credit in the past and want to

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These Credit Cards Let You See Your FICO Credit Score Free

Over the last decade, it’s gotten immeasurably easier to access your credit report and credit score. Not only can you get a free copy of your

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Should You Co-Sign a Credit Card for a Family Member or Friend?

No matter who you are, chances are good someone has asked you for a financial favor at some point. Maybe it was a small loan to

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Seven Things Everyone Should Know About Their Money

While watching a snippet of the Dr. Phil Show the other day, I heard a monologue that related intimately to personal finance. “You cannot change

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Like It or Not, a Secured Credit Card Might Be the Key to Rebuilding Your Credit

If you’re trying to improve damaged credit but getting nowhere, you may find yourself with this common conundrum: You’re ready to fix your past mistakes, but

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Does Carrying a Balance Help Your Credit?

If you’ve ever tried to buy a home, take out a car loan, or borrow money to start a business, you already know how important

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Should You Share Your Credit Score on the First Date?

While most first dates center on polite discussion over coffee, drinks, or dinner, serious romantic prospects might consider asking for their date’s credit score right off the

Best Credit Report Site of 2016

Your credit report is not only important for securing a loan, entering a rental lease, or applying for a credit card — it can make

discover customer service

Do Credit Card Customer Service Agents Know Their Stuff?

Just last month, Discover took the top spot in J.D. Power’s 2015 U.S. Credit Card Satisfaction Survey, an annual study measuring customer satisfaction based on

09.23.15
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How Bad Credit Can Cost You Your Dream Job

With a good credit score and an established credit history, life gets much easier. Just ask anyone who has ever been denied a home loan,

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Personal Finance 101: What Credit Scores Are, How They Work, and Why They’re Important to You

Not too long ago, I was at a community gathering when I overheard people discussing the difficulties of getting a loan for their first home.

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Five Things People With Good Credit Have in Common

Good credit can’t be bought or sold; it can only be cultivated over time. And with the right financial moves – and credit strategy –

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Five Ways to Improve Your Credit Score Without a Credit Card

Unless you have enough cash to finance your entire life, you’ll probably need credit at some point. Whether you’ll need to take out a mortgage

application form

What Can I Do If My Credit Card Application is Denied?

If you’ve ever applied for a credit card and been denied, you’re probably wondering whether you did something wrong. Let’s face it – rejection hurts, even

numbers

What Is a CPN, or Credit Privacy Number?

A credit privacy number, or CPN, is supposedly a nine-digit identifying number that you can use instead of your Social Security number, or SSN, to

Credit cards

Will Getting Multiple Credit Cards Hurt My Credit Score?

As a credit card rewards enthusiast and credit expert, I am constantly asked the same set of questions. Not only do people want to know

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