Credit Cards & FICO Scores

Credit cards can be extremely useful to the average consumer, but can be dangerous when abused. Here learn tips on paying off your credit card bills in a timely fashion, the best card for your needs as well as information on how to use rewards to your advantage while avoiding high interest rates and annual fees. Have bad credit? We'll help you improve your FICO score. Feel overwhelmed with debt? Find info on consolidation, counseling services and other methods to paying off your credit card debt and getting your spending under control.

Credit Card Responsibility

Using a credit card responsibly requires self-control, as well as knowing exactly what a credit card is and how its use affects one’s credit history, thus an entire financial life. Learn the proper way to use a credit card as well as the benefits to responsible credit use.

Why Checking Your Credit Report is Important

As an adult, your credit report is one of the most important pieces of personal information you can have. You can’t buy a home or a car without it. Staying on top of your credit report will ensure that mistakes are fixed promptly, and that you will be in the best position possible.

Stop Overspending on your Credit Card

No matter how good your intentions, your credit card could easily become your downfall, and credit cards companies do everything they can to encourage you to spend more than you can afford. How will you avoid overspending?

The Benefits of Getting a New Credit Card

New credit card applications arrive all the time, urging you to switch credit cards and insisting, “You’re Pre-Approved!!” Should you switch? There could be benefits to getting a new credit card, but there’s a limit to how often you should do it.

What Is Rapid Rescoring?

Credit rescoring has become a popular and legitimate way to quickly correct bonafide credit report errors in a matter of a few days. Rapid rescoring is especially helpful when a consumer needs to raise their credit score to qualify for a mortgage.

How Does a Credit Card Work

Before you apply for a credit card there are many things to consider. You want the credit card that best fits your needs without paying many of the unwanted fees. There are ways to compare the terms and types of cards so you are sure that you are getting the best deal out there.

All About Pre-Paid Credit Cards

Pre-paid credit cards are not as popular as regular ones because people do not understand how beneficial they can be to managing their finances. Read this article to find out what a pre-paid credit card is and if you should get one!

Remove a Judgment from Credit Report

Want to improve your credit, but have a few negative remarks on your report? Removing a credit judgment can add points to your credit score, and ultimately help you qualify for better rates on mortgages and credit cards. Here are five ways to remove a judgment and improve a low score.