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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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The Key Differences Between Personal And Business Credit Cards

Does your business use a business credit card for business purchases or do you just swipe on your personal credit cards? You may ask, what’s the difference? Here, in this post, we will discuss the key differences between personal and business credit cards. Credit...
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Pre-Approved/Pre-Qualified/ Pre-Selected Credit Card Offers- What You Need To Know

If you are an American citizen and you have a mailbox, then you probably receive daily pre-selected credit card offers. In this post, we will discuss everything you need to know about these offers. What Does It Mean That I Am Pre-Approved, Pre-Qualified, or...
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How Is Credit Utilization Calculated on Charge Cards

Credit Utilization Credit utilization is one of the big factors that credit scoring models look at. Credit utilization is calculated by your current balance versus how much percent of your available credit or credit line was used. The higher the percent of your credit...
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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 to be...
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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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Building Credit Using a Student Card Rather Than a Secured Card

You can’t build credit without a credit card, but you can’t get approved for a credit card without credit. This is the building credit catch 22. The old school solution was applying first for a secured credit card. With a secured credit card, the bank will ask you for...
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Do Utility Or Phone Bills Help Build Credit?

Getting a bill in the mail is not one of the most exciting times in life. Responsible, timely people, though, make sure that their utility and phone bills get paid on time. That’s why I get asked this question very often: How come I don’t have credit? I pay my rent...
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Readers Story: Goodwill Letter

Here is a story from one of our great readers Joey on how he got Barclays to remove a late payment from his credit report through sending a goodwill letter. Joey’s Story    On July 31, 2019, my annual fee from my Lufthansa Barclay card was due. I did not...
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Medical Collections

Chana F. is a working mom, juggling work and taking care of her four children. Life for her was always busy, but one day her oldest daughter started complaining about severe foot pain and she always seemed to be tired. Chana, as a responsible mother, got in touch with...
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How I Got A 90 Day Late Removed In Less Than 30 days

Recently, a mortgage broker reached out to me if I can assist his client. He needed to get a 90 day late, which was reported by US Bank, removed from his credit report.  The client first reached out to the mortgage broker a year ago, when he first started looking...
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How I Got A 30 Day Late Removed for A Mortgage Cosigner

When cosigning on a loan for your friend or family member, you’re taking a big risk. Why? Because you’re taking your credit which you’ve worked so hard to build and putting it into someone else’s hand. Most cosigners do not receive monthly statements in the mail,...
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