Bad Credit

  • Your Credit Score Affects Your Future

    Your credit score is a window into your debt history and can have a vital impact on your financial stability. If you have a bad credit score, you will suffer financial limitations. On the other hand, if you have a good credit score, there many benefits and financial possibilities....
  • 7 Ways To Spot A Credit Repair Scam

    So you’ve decided to buckle up and set to repairing your credit. You’re looking forward to the easier life that comes with having a good credit score. You’re ready to dedicate yourself to wiping your credit report free of past mistakes and misinformation. But don’t let your eagerness blind...
  • Getting A Business Credit Card Even With Bad Credit

    People can get a personal credit card with bad credit, but is it possible to get a business credit card? You might be surprised to hear that the answer is yes. There are no uniquely-designed business credit cards for people with less-than-perfect credit, but businesses can get a secured...
  • Can You Rebuild Your Bad Credit?

    We strive earnestly maintain a positive credit status. However, sometimes we may find ourselves in circumstances that can adversely affect our credit status like divorce, unmanageable bills and bankruptcy. Regardless the causes of a poor credit score, it is always possible to redeem it and enjoy other financial privileges....
  • 10 Best Secured Credit Cards

    Secured credit cards are a credit-building lifesaver if you have been unable to get a credit card due to poor or lack of credit. Although you have to make a deposit (which is held as collateral), secured credit cards can not only help you get a credit card but can...
  • Is Your Business Credit Report Bad? Here’s How You Can Still Bank

    If you’re in the process of starting a new small business and are hoping to open a business checking account, you need to ensure that your own personal finances are in order. If you are one of the millions of people around the US with a poor credit report,...
  • Secured Credit Cards With Rewards

    Do you have bad credit or no credit at all? Are you finding that a secured credit card is the only type of card you can get? Surprisingly enough, there are many secured credit cards out there, but taking the time to find the one that offers the most benefits...
  • How Do You Check Credit Scores?

    Your credit score is always used by lenders to help to determine whether or not any applications you make for personal loans, credit cards, mortgages or any other form of borrowing, will be approved. But how do you find out what it is? We break down how to check...
  • What Are Prepaid Credit Cards

    A prepaid credit card is offered by a financial institution or private company. It is not a traditional credit card because an individual is not borrowing money and paying it back later. Instead, it is similar to a gift card because money is loaded onto it as a form...
  • Where to Find your Free Credit Report

    Consumers should get a copy of their credit report and review it periodically. A good rule is once every four months. One should read the report and notice activity it describes. One should look at it carefully to ensure that it is accurate. Businesses and employers use Credit reports...
  • Things To Know When Comparing Credit Card Offers

    Credit card offers can be overwhelming for a consumer. When multiple credit card companies are giving a person an offer, it is very important to compare all of the offers. Just because a person is given a specific credit card offer does not mean the person should open that...
  • 4 Easy Steps to Improve Your Business Credit Report

    Starting a business is not a simple task; you put a lot at stake, including the entire investment amount. And you often require a lot more money to expand your business, and at times like these, it may be a sound idea to make use of a business credit...
  • What’s The Difference Between Charge Cards and Credit Cards?

    Even though most people consider a charge card the same thing as a credit card, technically, there are differences. Charge cards and credit cards have different terms, interest rates, rewards, and requirements. So which one is best for you? Of course, the specifics will vary from offer to offer,...
  • Top 7 Tips To Improve Your Credit Score

    When it comes to applying for a loan, your credit is one of the most important factors; any responsible lender or organization would want to make sure you can comfortably afford to manage any new borrowing without overstretching. Many at times, relevant information on your personal file is used...
  • Teaching Your Teens About Credit and Prepaid Credit Cards

    We all know how important it is to be savvy with our credit. We compare offers, shop around, avoid having too many lines of credit, and other things—all to protect our credit score. This is easier for some people to accomplish than others. The hundreds of college students that...
  • Can your Bad Credit Affect your Auto Insurance

    When it comes to getting auto insurance, you factor in things that you know are important—the make and model, good student discount, and if you’re accident-free. But did you know that you also need to factor in your credit score? Most states use your credit score to determine your...
  • Overview of Credit Repair

    Having bad credit is an issue shared by 56% of all Americans, so you’re not alone if you need some assistance repairing your score. Bad credit can be a serious problem and will cost you extra money in the long run. Thankfully, there are ways you can fix your...
  • Top 11 Ways To Improve Your Credit Score Quickly

    The National Foundation for Credit Counseling recently held a survey that shows people are less likely to be embarrassed by their weight (12%) than by their credit scores (30%). And just like with dieting, a focus on improving your credit score (the health of your credit), can give you...
  • Which Is Better: Credit Repair Companies Or Repairing Your Own Credit?

    7A recent study found that 56% of Americans have bad credit. So if you’re looking for a way to repair your history, you’re not alone. It can be hard to figure out what to fix and how to fix it. To do this you may be considering a credit...
  • Credit Repair Checklist

    So you’re determined to fix your credit. Good for you! A better life lies within your reach. Follow this easy-to-understand checklist to help guide you on your journey towards a high credit score. Step 1: Get a copy of your credit report The first and most important step to...
  • How Companies Calculate Credit Scores

    There are lots of different types of credit scores, but most people tend to think about the scores from companies like Experian and EquiFax when they go to apply for a loan. Unfortunately, there is a lot false information about how these scores are calculated, leading many people to...
  • 10 Signs Your FICO® Score Is Negatively Impacting You

    Do you have a bad FICO® Score? How can you even tell? This list of ten red flags will show you what to look for.   1.  You can’t get a credit card. If you’ve had a credit card application turned down, it could be a sign that you...
  • What Exactly Is A Bad FICO® Score?

    You probably have a vague estimation about your FICO® Score. You guess that you have a good FICO® Score, or a great FICO® Score. Maybe you’re unhappily sure you have a bad FICO® Score. But what, exactly, is a bad FICO® Score? Different Scales, Different Systems The first thing...