July 2015

How to Get Your Credit Score

credit-score15There are a few ways to obtain your credit score:

 

When getting your free annual credit report
By law, all consumers are entitled to a free credit report from each of the three major credit bureaus each year. The only government-authorized source of this free report is www.annualcreditreport.com.

 

A credit report is necessary to check for identity theft or fraudulent account activity and to verify the accuracy of your credit history, but your credit score is not included in the free annual credit report.…
Read the rest

How Do Secured Credit Cards Work?

secured-credit-cards-15A secured credit card can be a great option for you to build your credit history while enjoying the conveniences of using a credit card.

 

Start by looking specifically for a secured credit card to apply for. If you apply for a regular credit card and get a denial, some lenders will offer you a secured credit card, and some will just deny you and leave it at that. …
Read the rest