Blog

Errors After Bankruptcy

About 50% of our post-bankruptcy clients have an error on their credit report and with these errors, your credit score will not improve.  Here is how we can help you fix it: Step 1:  Order Your Score In our 7 Steps program we discuss ordering a FICO score, however, since we are…

Credit Cards After Bankruptcy

The purpose of this blog post is to summarize Lesson 2 in our 7 Steps Program, which is the most important part of rebuilding your credit score after bankruptcy. If you want a 720 credit score in the next 12-24 months, you need to apply for three new credit cards.  Think about it this way……

Installment Line Item Reported to Credit Report After Bankruptcy

Many people who are enrolled in our program find it tough to get an installment loan with a poor credit score.  Unfortunately, this impacts the speed at which your credit score will approve. We have solved that problem. 720CreditScore has partnered with a nationwide financing company that has agreed to approve…

Pay attention to #4 if you are married

When it comes to the number of credit cards in your wallet, there is a sweet spot that will provide you with the best FICO score. After all, if you have too many credit cards, the credit-scoring bureaus worry that you might get yourself into a financial bind. If you…

Why “cash-only” is for the birds

Here is a big myth: It’s better to be a cash-only citizen and shred all your credit cards. The truth is that you need credit cards if you want to have a high credit score. The bureaus give the best scores to people who have between three and five cards….

What Should I Do If I’m Deeply in Debt?

One of my friends just told me that he owes $68,000 in credit card debt. He’s 26 years old. And he has that feeling in the pit of his stomach—you know that feeling. He can’t ever truly relax because he’s so worried. All these questions start racing through his head……

How Can I Get Credit Cards If My Credit Score Is Terrible?

If you have bad credit, it’s critical that you have and use three to five credit cards. The only way credit bureaus will reward you with a high credit score is if you prove that you can responsibly manage debt. This means: Having at least three credit cards, keeping them…

My Wife Won’t Sleep in Our House, by 720 Credit Score

After renting for years, my wife and I just bought a house. It’s our ideal house—exactly what we were looking for in the exact neighborhood we wanted. We have dreams of raising our children there, and we smile thinking about the birthday parties, sleepovers, and graduation celebrations that will fill…

What Are the Credit Cards You Recommend for People With Good Credit?

We went out there and researched the best credit cards on the market, consider things like interest rates, rewards points, fees, and the like. You can see our recommended list of credit cards for people with strong credit here. And keep the following in mind: 1. In our program, we…

How Many Credit Cards Should I Have?

Question: “How many credit cards should I have if I want to earn the best possible credit score? I receive a lot of credit card offers in the mail. Should I apply for them?” Answer: Having the right number of credit cards is a big part of your credit score. Ideally, you…