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What You Should Know Before Closing Credit Card Accounts

After learning the difference between traditional, secured, subprime, retail and major credit cards, you may want to close one or more of your credit cards, especially if you have more than five. If that’s your only solution to increasing your credit score, learn more about the credit process before closing…

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….

Fannie Mae and Freddie Mac

Great News – Fannie Mae and Freddie Mac now accept a 620 FICO score for Mortgage Loans! Has less than stellar credit prevented you from getting a mortgage? If so, you may be in your new home sooner than you think! Fannie Mae and Freddie Mac are easing tight lending…

Are You a Victim of Identity Theft?

Do you know if someone has stolen your identity? Are they living the good life at your expense? 80 percent of people have errors on their credit reports. Most of these errors are a result of identity theft. If you’ve been a victim of identity theft, you may not be…

5 Steps to Rebuild Bad Credit

We live in a credit-driven society. You need credit for just about everything from buying a house to getting a job. Since many people use credit in lieu of currency, it is no surprise that many hard-working people have not managed credit wisely. As a result, they have bad 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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