What are your greatest hesitations when you apply for a credit card? I think it’s safe to say that the hard credit pull done by the creditors when...
Which Cards Give You A 100% Approval With Only A Soft Pull
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Huge Amex Breakthrough! Know If You’re Approved With No Impact To Your Credit Score!
Amex released a new feature called “Apply With Confidence”. You will now get a 100% guaranteed approval for any Amex personal card with only a soft...
What Will Build My Credit Faster: A Credit Card Or Mortgage?
The title of this post is a question and let me first start with the answer. The answer is credit cards. And not only are credit cards faster, you...
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 have you ever heard of a Joint or Co-Applicant? Joints and...
Important Mortgage Update: Finally – Fico 10T And Vantage 4.0 Can Be Used
Over the past 20+ years since credit scores were created, there have always been new and improved scoring models coming out and being used when you...
Will Paying A Collection Make It Go Away?
Many people are under the assumption that once they pay a collection, it will automatically be removed from their credit report and it will no...
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. That is the building credit catch 22. The...
Does Opening Or Closing A Bank Account Affect Your Credit Score?
There is a famous myth that if you open or close bank accounts often, then your credit score will drop. This is untrue, and in this post I will...
Will Missing Payments On A Utility Bill Affect My Credit?
Utility and phone companies do not report payments to the credit bureaus. Since utility bills are not reported to the credit bureaus, missing a...
