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If You Believe You Cannot Discharge Your Taxes During Bankruptcy, by 720 Credit Score

Most people believe that taxes cannot be discharged through a bankruptcy. And while this is true in most cases, there are some exceptions … Did you file your taxes more than two years ago? And was the due date at least three years ago? As long as you aren’t evading…

How to Remove a Bankruptcy From Your Credit Report

One of my readers recently asked me if there was a way to get her bankruptcy removed from her credit report. The answer is that no, there isn’t. At least not legally. But beyond that, there’s a deeper issue at play here. A lot of people worry about their credit…

The important part of improving your score fast, by 720 Credit Score

If I had to choose one thing as the most important aspect for raising your score after a financial meltdown, it would be this: Apply for new credit. The problem is: How can you qualify when your score is low? We generally refer people to secured cards, but even then:…

Bankruptcy: It’s Not As Dirty As It Sounds

The truth is: Sometimes your credit score will be better off after declaring bankruptcy. And here’s why…If you are struggling with your finances and your credit score, and you do not see an immediate light at the end of the tunnel, you will probably continue to struggle for a few…

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……

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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