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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….

Correct Errors To Rebuild Your Credit Score

The first step to rebuilding your credit is getting a copy of your credit report. Yes, I know that’s an extremely simple first step, but it is an essential one. When rebuilding your credit, it is wise to review your credit report at least once every six months. If your…

New 720 Credit Score Program, Beta Testers

This program is now closed.

The Importance of Credit Card Balances and Active Credit Accounts

Why is your credit card balance important? Does it really matter? Should you use all your credit cards every month? What happens if you skip a month or two? Knowing your credit card balances and keeping your credit accounts active are important because both are factors when computing your credit…

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…

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