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Category: Credit CardsView all

Chase Sapphire Reserve Versus Preferred- What’s The Differences?

 Chase Sapphire Preferred CardChase Sapphire Reserve CardWelcome Bonus:60,000  (after you spend $4,000 during the first 3 months after account opening)50,000 (after you spend $4,000 during the first 3 months after account opening)Point Value (For Chase...
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Category: Credit CardsView all

The Danger Of Credit Cards

Credit Cards Can Be Good And Bad Credit cards can be an excellent tool for those who use it responsibly. Some people do not get their paycheck until the end of the month or sometimes have a delay in getting paid. The only way they can roll from month to month is by...
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Category: Credit CardsView all

Reconsidering A Declined Credit Card Application- Everything You Need To Know

Getting declined for a credit card is never exciting. People do not like the feeling of rejection. But, did you know getting declined on a credit card is not necessarily the final decision.  Credit card issuers usually have a reconsideration team that you can get...
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Category: Credit CardsView all

Maximize Rewards This Holiday Season

You will be chasing deals this holiday season. But, as your pockets open, let us make sure your maximizing rewards on your credit card spending. At Help Me Build Credit we searched the internet and we choose the best credit cards earning the maximum rewards for each...
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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 to be...
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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: Building CreditView all

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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Category: Building CreditView all

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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Category: Repairing CreditView all

Is Bankruptcy An Option?

Filing bankruptcy is something that everyone wishes never to have to do in their lifetime. But, if someone, G-d forbid, is in a position where he needs to lift the knife off his/her neck, is bankruptcy at all an option? Is it as scary as it sounds? I invited my good...
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Category: Credit MaintenanceView all

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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Category: Repairing CreditView all

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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Category: Repairing CreditView all

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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