For anyone that is used to getting payday loans on a regular basis over the years, you already know that due to regulation, payday loans are a thing of the past except for in very rare situations that are dictated by region. Just like I predicted the eventual end of the payday loan, so too, […]

If your credit is really bad, your options are going to be very limited. I would suggest reaching out to Capital One to see if you qualify for a secured credit card. They are the best company for giving second chances and in my case even a third chance even after burning them in the

It wasn’t very long ago when the only credit cards I qualified for were the high-risk cards that charged a monthly fee, a yearly fee, or both. They were supposed to help me build my credit but at the time I wasn’t responsible enough to use them in that way. Instead, I used them to

The absolute worse credit score you can have in the current credit scoring system is 300. My personal record low was 430 and that was mostly due to a very high credit utilization that at the time hovered above 95%. There was a time when my credit reports were riddled with collections and charge offs

That would depend on just how low your score is currently because it is much easier to make a larger jump from a really low score to a higher score than if you were trying to increase a score that is relatively high already. Less than six months ago one of my credit scores was

I research credit virtually non stop so I am well equipped to answer this question. Without a doubt, the two best cash back cards that you can own and “should” qualify for with about a 650 FICO credit score would be the Discover IT Cash and the Citibank Double Cash rewards cards. I have them

I am one of those people who obsesses over credit. The reason is that I have struggled with credit in the past and also because I have an obsessive type personality. Once I set my mind on something I cannot let it go until I have reached the goal. In this case, my goal is

There certainly are and I used to be one of them. Believe it or not, the primary reason why I started to care about my credit and repair it is that someone told me that I couldn’t. Yep. It just came down to a simple case of I’m going to do it just because you

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