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...
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?
Building Credit, credit, Mortgages
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...