Credit Education

Credit Card and Reporting Education

What Makes Up a Credit Score?

Everyone wants to have a good credit score, but there’s more to achieving this goal than paying your bills on time and hoping for the best

It’s important to understand what makes up a credit score. With this knowledge, it’s much easier to adjust your financial approach to improve your chance of boosting your score and avoiding harmful mistakes.…
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How to Win a Credit Card Dispute

You never want to find yourself filing a credit card dispute, but it may be something you have to do at some point. There are many reasons for this, including but not limited to:

  • Incorrect billing
  • You did not receive an item you ordered
  • You received a service or product that was substandard or misrepresented

Most credit card companies have a simple dispute process in place, but that doesn’t necessarily guarantee your success.…
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How to Build Credit for the First Time

Are you in the process of building your credit score from scratch? While everyone has to start somewhere, this can be a frustrating place. Fortunately, there are a variety of steps you can take to establish credit sooner rather than later.

Here are three of the absolute best ways to build credit for the first time:

  • Use a secured credit card.

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3 Ways to Contain Your Credit Card Spending

There are many benefits of carrying a credit card, such as the convenience it affords when making a large purchase.

However, using a credit card in a responsible manner is easier said than done. In other words, it’s not out of the question that your spending could quickly spiral out of control.…
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6 Details to Consider When Comparing Credit Card Offers

Are you in the process of comparing credit card offers? Are you wondering how you’ll ever sift through all the offers to find the one that suits you best?

It’s good that there are hundreds of credit card offers to compare. This gives you the opportunity to find the one that matches your current financial standing and goals.…
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Things to Look for in a Bad Credit Credit Card

Do you have bad credit? Have you come to find that your low credit score is making it difficult to secure a credit card? Are you concerned that this will continue to be an issue well into the future?

Even though you have bad credit it doesn’t mean you can’t reach some (or all) of your financial goals.…
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Are These Mistakes Killing Your Credit Score?

Even if you do your best to maintain a high credit score, you could run into trouble at some point in the future. Worse yet, it’s possible you could make a mistake without knowing what you’re doing.

There are a variety of mistakes that can drag down your credit score, with these five among the most common:

  • Late payments.

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What Does Your Ideal Credit Card Look Like?

There are many challenges that may arise when applying for a credit card, including the fact that you need to compare a variety of offers in order to make a confident decision.

As you get started, it’s important to have a clear idea of what you’re looking for. Without this, you’ll soon find yourself lost in the hundreds upon hundreds of options that are out there.…
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Secured Credit Cards: A Few Things You Need to Know

Have you come to find that you don’t qualify for a traditional credit card? There are many reasons why this could happen, such as a lack of credit history or a poor credit score.

As disappointed as you may be, there’s something you need to know: you can still get approved for a secured credit card.…
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