How To Rebuild Your Credit After Bankruptcy?
Bankruptcy discourages many creditors and lenders to do business with you. However, if you have a strategy in place after bankruptcy then you might just be able to get back on your feet financially.
When you file for bankruptcy, your credit score takes a hit and will end up in the lowest rankings depending on the severity of your bankruptcy and your past credit history.
However, there are ways that you can build better credit after you have – Read more
Advantages of Payday Loans Over Other Credit Types
One of the best ways to get quick access to cash is to use a payday loan. Payday loans have a few advantages over other credit types.
Here are the top advantages of payday loans.
The biggest advantage of payday loans is that they are quick to get. If you need money today, you can quickly apply online and within an hour you will have access to the loan. Other types of credit are not this quick, for instance if you wanted – Read more
Best 0% and Low Interest Credit Cards 2016
A low interest credit card can come in handy when you have credit card debt or are looking to make a big purchase.
These are the top 0% and low interest credit cards 2016.
Best for Balance Transfers
The Chase Slate has a 0 annual fee as well as no balance transfer fee for the first 60 days. The Chase Slate also offers a 0% interest APR on purchases and balance transfers for a period of time.
The Chase Slate is a great – Read more
How to Buy Online with a Credit Card
With an online purchase you will usually have to pay with a credit card, debit card or with a gift card.
If you are new to online purchasing then the process can be a little confusing, here is how you can pay online with your credit card.
Before You Buy
Before you can buy online you need to add the items to your online shopping cart. Each item will have an Add to Cart button that you will need to click. When you have everything you want you – Read more
Top Mobile Credit Card Readers 2016
Smartphones are able to almost anything and with a mobile credit card reader you can get rid of those old tills and start to accept debit and credit cards immediately from your mobile device.
Here is a look at the top mobile credit card readers 2016.
Square does cost money, but it is an affordable option. You are able to use Square on various mobile devices to accept credit cards. The Square experience is one of the best for both buyers – Read more
Surprising Things You Didn’t Know Affected Your Credit Score
Generally we think that our credit score is only affected by credit cards and loan, but in fact there are certain applications or late payments that can hurt your credit score.
Lets take a look at surprising things you didn’t know affected your credit score.
Overdue Library Books
There are many libraries that are now employing collection agencies to aid them in collecting overdue library book fines. Libraries might not – Read more
What is in Your Credit Report?
When you first read your credit report it can seem confusing especially when you have had many accounts open for a long period of time. It can be easier to read your credit report when you know what is appearing on it.
Your Name and Variations
There could be different versions and even misspellings of your name in your credit report.
Your credit report is created from information that is given from your creditors and lenders. The name that you put – Read more
Common Credit Card Misconceptions
In most cases opening a new single account will improve your credit score. This is just one of the many misconceptions that surround how credit cards work. Here is a look at some more of those misconceptions.
I Pay the Balance in Full, So I Don’t Have Any Debt
The smartest ways to use a credit card is to pay the balance off in full each month so that you don’t have to pay any interest.
This does look like that you aren’t incurring any debt, but – Read more
How Does Credit Reporting Work?
With credit it is important that you check your credit score each month. Your credit report will show not only your score, but also your payment history, debt and other factors that will have a bearing on your score.
The Credit Reporting System
There are three main players in the credit reporting system, those being the consumers, credit bureaus and financial companies.
Your creditors report the information about your credit card and loan accounts – Read more
How to Quickly Improve your Credit Score
If you want to buy a car, get an apartment or just take out a loan then your credit score needs to be in good order. It generally takes 7 years before any negative information is removed from your credit score, but there are a few ways that you are quickly able to raise your credit score.
Pay off Your Credit Card Balance
One of the factors that influence your credit score is how you use your credit. A major factor is your credit utilization – Read more