Your credit score is a three-digit snapshot of your credit history and provides lenders with an idea of how trustworthy you are as a borrower. The better your credit score, the easier it is to get approved for loans and credit cards and score low interest rates along the way. But what is a perfect credit […]

Debit Cards That Build Credit

Unfortunately, there are no debit cards that build credit. Debit cards and credit cards have different functions and purposes, so if you try to get a debit card that builds credit, you’ll be disappointed. “When you use a debit card, the payment is taken directly from your bank account unlike a credit card where you […]

fixed your credit score

We’ve all made mistakes, and that includes mistakes with credit. But while some elements of fixing your credit score require time and patience, there are other things you can do that can make a difference more quickly. How to increase your credit score in 30 days There’s no way to boost your credit score overnight. But […]

ideal credit utilization rate

How much you owe makes up 30% of your FICO credit score. A big part of that – though not the whole thing – is how much you owe on your credit cards. Having a low credit utilization rate is crucial to building and maintaining an excellent credit score. Read on to learn how to […]

identity theft protection worth the money

As cyber thieves become savvier, identity theft continues to rise. According to the 2017 Identity Fraud Study conducted by Javelin Strategy & Research, 2016 was the worst year ever for identity theft. $16 billion amount stolen by cyber thieves from 15.4 million U.S. consumers in 2016 Their study found that cyber thieves stole $16 billion […]

what is a credit builder loan 1

What Is a Credit-Builder Loan?

Are you looking to build or repair your credit? A credit-builder loan may be worth considering since it’s designed to build your credit profile or increase your credit score. They’re ideal for credit newbies and those looking for a fresh start. Credit-builder loans also work for cash-strapped consumers since they don’t require a security deposit. […]

self lender credit-building loans review

Self Lender provides credit-builder loans to people who want to improve their credit score. It was founded in 2014 by James Garvey and Conor Swanson and is based in Austin, Texas. This article provides an in-depth review of the benefits and disadvantages of getting a loan with Self Lender. Self Lender offers a fix to […]

personal loan can help rebuild credit score after bankruptcy

Filing for bankruptcy clears many of your personal financial obligations, but it also places you in credit purgatory. Whether you declare Chapter 7 or Chapter 13, bankruptcy leaves a stain on your credit profile that will stay with you for up to 10 years. But you don’t have to wait 10 years to rebuild your […]

can paying off your car improve your credit score

If you’re trying to buy a house or car or seeking a new job, making the effort to boost your credit score could mean the difference between success and disappointment, especially if your credit profile is marginal. Even if you’re not in the market for new credit, working to improve your credit score is a […]

The end of the year is such a hectic time, with holiday shopping, family get-togethers, parties and other festive occasions. Thinking about money hardly seems in tune with the season. But the end of the year is precisely the right time to map out financial strategies for the coming year.  Following these 10 tips can […]