If you have bad credit, repairing it can feel like a catch-22. You have a hard time obtaining credit because your credit score is poor. But to improve your score, you need to obtain credit. How do you break the cycle? If you’ve tried everything to obtain a low-limit card but are still getting declined,…

Want the best interest rates? How about a higher credit limit? These things require having a great credit score! Here are 5 things you can do to makes yours as high as possible. 1. Keep different types of credit accounts. There are four different types of credit accounts, listed in order of importance: real estate…

It’s a common misconception that credit monitoring services are only for those who are irresponsible with money or who have bad credit. In fact, just the opposite is true. If you have good credit and want to maintain it, or even improve upon it, a credit monitoring service can benefit you greatly. A credit monitoring…

There are a lot of misconceptions floating around out there about how to build credit, and many of them are no better than that—misconceptions. If you really want to build up your credit when you don’t have any, or repair your damaged credit, follow these six proven tips. Don’t bother becoming a co-signer or “authorized…

On an average given day, you probably don’t think about your credit score; however, when the need to borrow money arises, this three digit number suddenly becomes very important. Your credit score determines how high your interest rates will be, and ultimately, how much money a loan is going to cost you. A credit score…

From television commercials to Internet ads, it seems as though interest rates are advertised everywhere. It also seems as though these attractive interest rates are designated only for those with high credit ratings. A lender will almost never advertise their riskier borrower or average interest rate. No, the best rates are always reserved for those…