The Expertise & Guidance You Need for Better Credit
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Category: Identity TheftView all
Victim Of Identity Theft? You Next Steps How To Protect Yourself
While being a parent in 2020, you work and overwork, constantly trying to make life work for you. Your phone rings and you pick up. It’s your bank calling about a transaction that needs to be verified. They ask you for your name, social security number, date of...
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Category: Credit CardsView all
Manage Your Business Cash Flow – 0% APR Credit Cards
Coronavirus is affecting many businesses all over the United States. Some fear that a recession is just around the corner. Is your business being affected? Here in this post, we will discuss how you can better manage your business cash flow during a time when business...
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Category: Credit CardsView all
When Is The Best Time To Pay My Credit Card?
A frequently asked question with a very sought out answer; When is the best time to pay my credit card balance? You might often wonder at what point of the month should you make a payment towards your credit card balance. You may also like to know how much of the...
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Category: Credit CardsView all
Why I Recommend The Amex Hilton Surpass For A Honeymoon
It’s so good to see newlyweds planning their honeymoon once again after so much of what has been going on. I’m happy to be getting questions again on which credit card is best for such a trip. Amex Hilton Surpass That’s the one I recommend!...
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Are Credit Cards Still Approving? July Update
COVID -19 has taken everything on a roller coaster (except our kids). The virus affected almost every industry including credit card approvals. At HelpMeBuildCredit.com interviewed many applicants who recently applied for credit cards and see if they got approved or...
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Refinancing Credit Card Debt: What You Need To Know
When someone is stuck with high credit card debt they are kind of trapped in a catch 20-20 situation. They are paying extremely high interest on the debt but at the same time, they can’t get approved for any better loan terms as their credit is shot by those...
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Paying Credit Card Balances: How To Save The Most On Interest?
Last week we posted about a strategy on how to pay your balances to lift your credit score by the maximum points even by only paying a fraction of your balances. This week lets discuss the consumer that does not care so much about their credit score but would rather...
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Category: Identity TheftView all
Bust Out Fraud: Fraudsters, Creditors, And Consumers; Stay Out Of Trouble
The Tactic Of The Fraudsters Fraudsters are sly and cruel and wreak millions of dollar damage to thousands of creditors. They use account holders who are oblivious to the fact that they are being used, to steal money from creditors. Now that credit cards are so much...
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Why Are My Credit Scores Different?
When people check their credit score, should it be by Credit Karma or on their Discover statement, etc., they look at the three-digit number. They take it as a fact that this is their credit score. Period. The same way they know their age and weight, they feel that...
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Category: Building CreditView all
Getting Approved For A First Credit Card
Credit is not something you are automatically born with. It is something you need to learn how to build on your own. The best way to build your credit is by getting approved for credit cards. But, hey! How do you get approved for credit cards without credit? Stay...
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Category: Building CreditView all
Secured Credit Cards – Everything You Need To Know
Are you looking to build or rebuild your credit? That’s smart! But, hey! Banks are not your buddy. They won’t lend you money just based on trusting that you’re an honest guy. They need proof that you will repay them. They want to see a track record where...
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Category: Building CreditView all
Building Credit With a Store Card
One of the classic, old school ways of starting to build credit was by first applying for a store card. What Is a Store Card? A store card is a credit card offered by a store or brand, for example, Gap, Kohl’s, Home Depot, etc. The credit card is designed...
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Category: Building CreditView all
Key Differences Between an Authorized User and a Joint Account
If you own a credit card, you most probably already heard the term Authorized User, but did you ever hear of a Joint or Co-Applicant? Joints and co-applicants are a much less common term in the world of credit cards, as it is not even an available option by...
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Category: Credit CardsView all
Manage Your Business Cash Flow – 0% APR Credit Cards
Coronavirus is affecting many businesses all over the United States. Some fear that a recession is just around the corner. Is your business being affected? Here in this post, we will discuss how you can better manage your business cash flow during a time when business...
Read MoreCategory: Credit CardsView all
When Is The Best Time To Pay My Credit Card?
A frequently asked question with a very sought out answer; When is the best time to pay my credit card balance? You might often wonder at what point of the month should you make a payment towards your credit card balance. You may also like to know how much of the...
Read MoreCategory: Credit CardsView all
Why I Recommend The Amex Hilton Surpass For A Honeymoon
It’s so good to see newlyweds planning their honeymoon once again after so much of what has been going on. I’m happy to be getting questions again on which credit card is best for such a trip. Amex Hilton Surpass That’s the one I recommend!...
Read More
Category: Credit CardsView all
What To Include When The Credit Card Application Asks For Your Income
The Credit Card Act of 2009 requires credit card companies to take “the ability of the consumer to make the required payments” into account when deciding whether to approve an application. It also requires those under 21 to provide proof of their...
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