by Sam | Sep 22, 2019 | Building Credit
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...
by Sam | Aug 25, 2019 | Building Credit
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...
by Sam | Jun 20, 2019 | Building Credit
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...
by Sam | Apr 15, 2019 | Building 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...
by Sam | Mar 18, 2019 | Building Credit, Improving Credit, Repairing Credit
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...
by Sam | Mar 10, 2019 | Building Credit, Credit Scores, Improving Credit
What Is Piggybacking Credit? Piggybacking credit is having a third party, a credit worthy individual, add you to their credit card as an authorized user. This will allow you to receive the credit benefits from that account, helping you improve your own credit score...
