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Combining Same Day Credit Inquiries: Who Does and Who Does Not?

Every time you apply for a credit card, the credit card insurer will make a hard credit inquiry and pull your credit report. Credit inquiries can affect your credit score for up to 12 months and stay on your credit report for up to 24 months. But if you apply for more...
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Know the Approval Rules Set by Credit Card Issuers

Credit applications are free, but why apply if you do not even stand a chance to get approved (your just wasting a credit inquiry). Most credit card issuers have set rules on credit card approvals. If you do not meet these rules, then you will automatically get...
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Apple Card – My Personal Experience

An Apple a day keeps the doctors away. But, how about the Apple Card? Apple wants you to use their credit card for all your everyday purchases. But is the Apple Card the right choice? So, to answer our questions, we have with us today my good friend Pinchas Genger who...
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Amex Welcome Bonus Pop Up Box- Is 0% APR Included?

About three months ago, I applied for the Amex Blue Business card. I wanted to get 0% APR on new business purchases for up to 12 months, plus earn 2% cashback on all purchases. (The Amex Simply Cash Business card gives you 15 months 0% APR, but I, personally, wanted...
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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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The Difference Between Piggybacking Credit and Seasonal Trade Lines

Is Piggybacking Credit Legal? We explained in our last post what piggybacking credit is and how it works. This week I want to address a question that I get asked a lot. Is piggybacking credit legal? People often confuse piggybacking that is fully legal and allowed by...
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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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How I Got a Collection Removed from My Credit Report

Even though I always had for myself a great 800 plus credit score, recently my credit score took a dip! Why? Because, yes! Even I, the great and ultimate credit enthusiast and Fico expert, bla bla bla… had this happen. Due to a long story I had with a lease return fee...
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Know Your Rights- The FCRA

The Fair Credit Report Act (FCRA) is over one hundred pages to read. Understandably, many consumers are not aware of their rights found in the FCRA, as they do not have the time to read all those hard to understand English pages. In this post, I will give you, in...
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NYC Collection Laws

Debt collector agencies are the category for which the DCA receives the most complaints. Therefore, the DCA has beefed up the consumer protection laws against debt collectors. If a debt collector violates one of these laws they can be fined $1000 or more per incident....
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