Many people are under the impression that just because they have credit debt or a bad credit score they can’t get a new card.  However, nothing could be more untrue.  Applying for credit isn’t only an option available to people with good credit scores.  You, too, can be applying for credit, no matter what your  … Read more

If you’re going through tough financial times, it might seem like applying for credit is just too difficult.  However, when you know a few tips and tricks, you’ll find that it’s not too hard to get the credit you need.  While you should always be a responsible borrower (which might include debt negotiation), applying for  … Read more

For many who have recently turned 18, the world is now full of opportunities that weren’t there before.  But instead of buying lottery tickets or nonessentials, why not take advantage of the credit that is now available to you?  Using credit responsibly at your age can build good practices now that will keep you away  … Read more

When going through a divorce, there are a lot of concerns involved.  If you and your spouse have joint credit debt or loans, things can get particularly messy.  Not only are you splitting up possessions and joint assets, but you have credit debt to deal with on top of everything. Protecting Your Credit Score As  … Read more

We hear it all the time: “I don’t want to get into credit debt, so I haven’t signed up for a credit card.”  We can’t stress enough how inaccurate this statement is.  If you are truly so irresponsible that you’re worried about racking up large amounts of credit debt with a credit card, then sure,  … Read more

In the first part of this blog, we went over some of the big mistakes many people make when applying for credit cards.  While the first series of mistakes focused on credit cards and credit scores, there are a few more issues we think you should be aware of.  Many people fail to take other  … Read more

Applying for credit can be a great experience for many people.  You get to build a credit score, establish your name as a responsible borrower and spender, and eventually you start to get rewards: cash back, frequent flyer miles, discounts on gas!  Great, right?  If you are thinking about applying for credit, there are two  … Read more

There is a lot of information available about how to manage credit debt.  However, there is not quite as much about those things that we might not realize that affect our credit report.  If you consistently make on-time payments but still have a low credit rating, one of these could be the problem: Excessive inquiries.   … Read more

Turning to credit cards is a common mistake that many consumers make when faced with a cash shortage.  In particular, those who have faced unemployment situations in the past few years and found their savings accounts depleted prior to finding a new job have relied on credit cards.  While some credit debt can be good,  … Read more

Credit card offers come by the hundreds and it seems as though our mailboxes are always stocked with at least one offer per week. While many people find preapproved credit cards as a sign of their good credit standing, it could actually be a sign of trouble. Finding the right type of credit card depends  … Read more