The Expertise & Guidance You Need for Better Credit
Find your way through the credit maze with helpful advice, grab-worthy offers, and industry insights all in one place.
- Read tried & tested tips for building your credit
- Explore 1000s of industry-proven, expert-backed credit topics
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Category: Building CreditView all
How To Get Approved For Your First Credit Card- 5 Actionable Tips
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 having credit? That’s like saying “Oh, you don’t have money? Buy a business, and then you’ll have money.” Yoo-hoo! How do I BUY that...
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Category: Credit CardsView all
Earn 225,000 Points (or more) With The New Amex Platinum Offer. Now Is The Best Time In The Year To Apply!
Due to no new stimulus deal being approved, Amex has stepped in and offered to fund it. Just kidding! But read on to see what I mean. I’ve got good news for you! Last week, Amex released a fabulous new offer. Earn 75,000 points after spending $5,000 within the first...
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Where Can I Find The Most Accurate Credit Scores?
What’s sweat-inducing, hair-raising and spine-chilling for men and women alike? Credit scores. Yep, those intangible & non-physical numbers that determine our lending options, insurance quotes, job opportunities and even the fact of having a roof over our head....
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Category: Credit CardsView all
Can’t Apply For A Chase Credit Card But Still Looking For A Good Offer? Here Are Your Options
You can be looking for a new card with a great offer but be stuck without the option for a Chase card. Have no fear, all your other options are listed right here!
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Category: Balance TransfersView all
Everything You Need To Know About Balance Transfers And 0% APR
Simple question. Would you rather save $900 or lose $900? Anyone with a bit of brains would say they’d rather save. Yet, you have that chance multiple times a month and it gets passed over. What am I talking about? Those 0% APR balance transfer offers that you get in...
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Category: About The BlogView all
Thank You for Your Support- also, Affiliate Links have Made a Return!
I walked into an appliance shop, with every intention to buy a heater there. After showing me around for a couple of minutes, the owner pulled me over to the side. “Sir, I can easily sell you what you need, at the price I’ll decide on. But I don’t want you to lose...
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Over 50 Different FICO Score Models- Reviewed And Explained
Fair, Isaac and Company (aka FICO) was founded in 1956 by two partners Bill Fair and Earl Isaac. It built its first credit score model in 1989. Today it has grown to be the number that everyone sweats about, your FICO Score! Over the years, Fico has built many...
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Category: Credit CardsView all
Strike Gold With The Amex Gold Card
Yesterday in a Press Release, Amex announced the added benefit to the Amex Gold card, granting cardholders $10 monthly credits in Uber cash to use towards Uber and UberEats (starting early 2021). Plus a complimentary Eats Pass Membership for up to 12 months! The Amex...
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Average Age of Credit History -True or False
If you ever reviewed your credit report using Credit Karma, Wallet Hub, Nerd Wallet, etc., you may have noticed that they all break down your credit history based on the average age of credit history taken from all your trade lines combined. For example, if you have a...
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Category: Credit CardsView all
Capital One Spark Cash Will No Longer Be Reporting On Your Personal Credit Report
In a conversation I had with a Capital One executive, it was confirmed to me that the Capital One Spark Cash for Business credit card will no longer get reported on the cardholder’s personal credit reports. Here is Capital Ones’ official statement coming...
Read More
Category: Building CreditView all
How To Get Approved For Your First Credit Card- 5 Actionable Tips
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 having credit? That’s like saying “Oh, you don’t have money? Buy a business, and then you’ll have money.” Yoo-hoo! How do I BUY that...
Read More
Category: Building CreditView all
The 5 Most Important Factors In A FICO Score
The FICO score model is the mostly widely used scoring model. As per Fico, as much as 90% of lending decisions that are done using a scoring model, use the Fico scoring model. In this post we will discuss the 5 most important factors that Fico would look at in order...
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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
Earn 225,000 Points (or more) With The New Amex Platinum Offer. Now Is The Best Time In The Year To Apply!
Due to no new stimulus deal being approved, Amex has stepped in and offered to fund it. Just kidding! But read on to see what I mean. I’ve got good news for you! Last week, Amex released a fabulous new offer. Earn 75,000 points after spending $5,000 within the first...
Read MoreCategory: Credit CardsView all
Can’t Apply For A Chase Credit Card But Still Looking For A Good Offer? Here Are Your Options
You can be looking for a new card with a great offer but be stuck without the option for a Chase card. Have no fear, all your other options are listed right here!
Read MoreCategory: Credit CardsView all
Strike Gold With The Amex Gold Card
Yesterday in a Press Release, Amex announced the added benefit to the Amex Gold card, granting cardholders $10 monthly credits in Uber cash to use towards Uber and UberEats (starting early 2021). Plus a complimentary Eats Pass Membership for up to 12 months! The Amex...
Read MoreCategory: Credit CardsView all
Capital One Spark Cash Will No Longer Be Reporting On Your Personal Credit Report
In a conversation I had with a Capital One executive, it was confirmed to me that the Capital One Spark Cash for Business credit card will no longer get reported on the cardholder’s personal credit reports. Here is Capital Ones’ official statement coming...
Read More
