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...
Building Credit With a Store Card
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Tips On How to Co-sign Responsibly
Many people who are homeowners today would not have been able to do it without a co-signer. Co-signing on a mortgage loan is one of the biggest...
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?...
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...
Credit Inquiries- Everything You Need To Know
What Is A Credit Inquiry? A credit inquiry is when someone requests to view your credit report. There are two types of credit inquiries. There is a...
Rate Shopping- Will It Affect My Credit Score?
Rate Shopping In the grocery, we find people that touch, squeeze, and feel every apple before they choose the one they want. This is called a...
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...
Does Opening or Closing A Bank Account Effect Credit?
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...
How To Protect Your Credit Before A Charge Off
Things in life, unfortunately, do not always go as planned. Sometimes due to certain circumstances (medical emergency, unemployment, financial...
