I am amazed that so many people are still asking this question but I guess you don’t know what you don’t know, as the saying goes. First, you’ll need to create a free account with Credit Karma as well as Experian. Now you will go into each account and dispute every negative item whether it …
I purchased a plane ticket using a company called Affirm that allowed me to buy the ticket upfront and make equal monthly payments until the flight was paid for. I went on a one week vacation across the country and my first payment wasn’t due until a month after I returned from my trip. Affirm …
How to purchase a plane ticket without cash or credit card Read More »
I have struggled with credit for most of my life before finally turning things around and I have never owned more than one secured credit card at a time. My reasoning was that when my credit does finally turn around, I didn’t want to be stuck with a bunch fo secured credit cards. Nowadays, most …
There are numerous credit cards available for people with bad credit. The problem is that most people aren’t able to identify them. My extensive research into credit cards has given me great insight as to which cards have the best approval rates for people with bad credit. You see, credit cards come in different tiers. …
Not very long ago, after a series of financial mismanagements, I quickly found myself caught in a web of payday loans that I so lovingly refer to as “Shuffles”. I call them shuffles because you have to shuffle all over town paying off and borrowing again. To call this task tedious would be the understatement …
In “The Blueprint”, I spoke about the Prism Money Management app and how valuable it was in helping you to pay your bills on time each month. What I didn’t mention is how useful it is for helping to raise your credit scores. Knowing your creditor’s statement closing dates is vital to reaching your credit …
Why Knowing Your Statement Closing Date Is So Important Read More »
Getting a payday loan already requires several things including a bank statement covering the last 30 days, your current account balance, a recent utility bill, driver’s license, a social security card, and several personal references, among other things in order to be approved for a loan. Stricter approval policies may be put in place by …
Almost a year ago, I invited followers of my blog to join the “Bill Collectors Hate Me Group” where members can discuss credit-related issues in an open forum environment so that other members can view the discussion and share their experiences in similar situations. Well since then, membership has increased considerably over the last month …
While living in San Diego, California I moved into a new apartment and I didn’t own anything but the clothes on my back. I didn’t want the hassle of having to save up the money to furnish my new place because I knew it would take forever, but in hindsight, I wish that I had …
The Blueprint DIY Credit Repair Guide was the result of many years of credit and financial struggles. It wasn’t for the lack of money, but it was instead, the lack of discipline that got me into trouble time and time again. I always knew what it took to build good credit and I’d laid out …
