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Will My Spouse’s Bad Credit Hurt My Credit Score?

One of our readers recently sent us a great question: “If I marry someone who has declared bankruptcy this year, will it lower my credit score?” She went on to say that her credit is currently golden. So when she marries her fiancé, she worries about what is going to…

Marry Your Spouse, Not Their Credit Score

If you are getting married, you might be a little worried about how the marriage will affect your credit score, especially if your spouse’s score is lousy. But right off the bat, let me dispel this rumor: Your credit score and your spouse’s credit score will never be merged together….

Did You Hear How Tony Raised His Credit Score in Three Months?

Every other week, I hold a question-and-answer session for the students in my credit-education program. Usually, I help people with their specific credit situations, give advice, and answer questions about the program. The other week, though, I was fortunate to have Anthony join the call. When Anthony started my program…

What Is the Fastest Way to Build Credit?

Question: What is the fastest way to build credit? I am applying for a business loan, and I need to bump my score up by about 60 points. There are a variety of reasons why you’d want to improve your credit score. You could be getting ready to make a…

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…

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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