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 …
Are There Some People Who Don’t Care About Credit? Read More »
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 »
