Newest Answers

Why You Need to Check All Three Credit Reports

January 19th, 2018 | Author:

[T]here are three major credit reporting agencies: Experian, Equifax and TransUnion. All of them provide a credit report which lists your personal information and credit accounts. You can get one report for free each year or purchase extra reports through the agency sites. Many people just get one credit report, but you really should get...Continue Reading »

What is the Right Amount for a Credit Limit?

January 18th, 2018 | Author:

[A]s you get credit cards, you will notice they give you a credit limit. This is the maximum amount you can spend on the card without paying some of it off first. Credit card companies often increase your credit limit as you prove responsible handling the amount you have. You may wonder if more credit...Continue Reading »

Buying a Car with Bad Credit

January 12th, 2018 | Author:

[I]f you have bad credit, it can be difficult to qualify for a car loan. However, it’s not impossible. Before you go out and apply for money to purchase a vehicle, there are some things you should know. Check Your Credit Before you fill out any applications for car loans, you need to take a...Continue Reading »

What Does No Credit Mean?

January 10th, 2018 | Author:

[M]any people hear that they have bad credit, which means they haven’t always been responsible with their credit accounts. However, it is another situation entirely when a person is told they have no credit. You may wonder how that’s possible and what it really means for your future. No Credit Doesn’t Mean Never Any Credit...Continue Reading »

What You Need to Know about TransUnion

January 8th, 2018 | Author:

[T]ransUnion is one of the three credit bureaus which stores information about consumers and their credit history. It provides this information to creditors and to consumers. TransUnion was founded in 1968, and it now has more than 200 offices through the US and the world. How TransUnion is Different TransUnion is similar to the other...Continue Reading »

What You Should Know about Equifax

January 5th, 2018 | Author:

[E]quifax is one of the three major credit reporting agencies which provides information used on your credit report. It has a credit score which will impact your ability to get approved for new credit. All of these agencies aren’t the same, so here is some information you should know about Equifax. Equifax is headquartered out...Continue Reading »

What You Should Know about Experian

January 3rd, 2018 | Author:

[E]xperian is one of the three major credit reporting agencies for the US. It is the newest, formed in 1996. It also happens to be the biggest of the three with around 220 million consumers included and 25 million businesses. What Experian Does Just like with the other two credit reporting agencies, Experian keeps data...Continue Reading »

Is Your Credit Ready for the Holidays?

December 11th, 2017 | Author:

Credit often becomes even more important or a bigger hindrance around the holidays. It can either make your holidays better because you can spend more, or it can limit how much you have to spend if you have bad credit or none at all. Here are some ways to make sure your credit is ready...Continue Reading »

How to Avoid Common Holiday Gimmicks to Protect Your Credit (and Why You Should)

December 8th, 2017 | Author:

[R]etailers look at the holiday season as their time to make money and make up for any struggles from the rest of the year. They work to come up with all kinds of ways to bring in new business during this season. However, not all marketing ploys and gimmicks are good for you or for...Continue Reading »

What Happens to Your Store Credit Card When the Store Closes

December 6th, 2017 | Author:

[S]tore credit cards are nice for a lot of users. They often come with special perks and rewards. You may get an added discount or special coupons on sales. You may gain points that can be used towards purchases. However, these benefits only work as long as your store is open. What happens to your...Continue Reading »

How Business Credit Cards Affect Your Credit Score

December 1st, 2017 | Author:

[B]usiness credit cards are a great option for people who own a small business. It allows them to use credit to pay for purchases or expenses when they have limited or delayed cash flow. It also makes it easier to keep personal and business expenses separate. You should know that if your personal credit history...Continue Reading »

Reasons Why Your Credit Application May be Rejected Even with Excellent Credit

November 29th, 2017 | Author:

[I]f you have been told you have excellent credit or your credit score is in the upper 700s or even 800, you may think the sky's the limit on applications. You get a wake-up call when a creditor tells you that your application has been rejected. How could this happen to someone with excellent credit?...Continue Reading »