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What Should You do with Pre-Approved Card Credit Offers?

Thousands of pre-approved credit card offers arrive in the mail daily. Prime and sub-prime lenders mail these offers to increase their customer base and it works! Many people accept the offers they receive in the mail. If you are like most people, you have also received several pre-approved card credit offers…

Four Steps to Qualify for a Loan

Building credit and qualifying for a loan is simple, if you know how to do it. For those who don’t know how to build credit or qualify for a loan, here are four easy steps to follow. Imagine a loan as a stool with four legs: income, down payment, savings,…

Credit Score Factors: What are They?

Most people do not understand the credit process or credit score factors, even though they have credit cards. In response to my client’s question, “What exactly are all the credit score factors I should consider when learning how to build credit?” here’s my reply. 22 criteria determine a person’s credit…

The Fastest Way to Build Credit

Bankruptcies, collections, and slow payments are still a problem for many today.  They feel bound by past financial mistakes. But there is hope and a way to escape  bad credit. Even with bankruptcies, there is a fast way to build credit. That’s impossible, you may think. Not true. Students in…

How Divorce Impacts Your Credit

Divorce statistics do not reflect a “happily ever after” marriage for the majority of couples. When you realize there’s a possibility your marriage may end, take action to protect your credit. When taking inventory of all assets, please remember to include all jointly held credit cards, auto loans, and mortgages….

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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