5 Traits of Consumers with Perfect Credit Scores
The main habits to achieve excellent scores are to keep credit card balances low and consistently make payments on time, even if it’s just the minimum.
Build a solid credit history with or without credit cards
The impact on lives of people without a solid credit history or no credit can be profound. Build a solid credit history with or without credit cards.
Ask for Reconsideration when a credit card application is denied
Did you know a credit card application decline is not necessarily the end of story? When you apply online for a credit card waiting for an answer can be excruciating. And, if your application is declined that sinking feeling sets in. You may even get the 7-10 day processing notice which often means a decline…
Top 5 Reasons Your Credit Application was Denied
Getting denied credit can sometimes come as a shock, find out 5 top reasons you may have been denied credit.
How to Rebuild Credit Scores: 7 Strategies using credit accounts
How to rebuild credit scores by using unsecured and secured credit cards, retail accounts and installment loans
Credit Builder Loans: Rebuild credit using a credit-builder loan, no upfront money needed
Credit Builder Loans: Rebuild Credit with a bank loan reporting to the credit bureaus using a credit builder loan. You don’t need upfront money with Self Lender Loans.
3 Simple Ways to Add Good Credit to Credit Reports
One of the best ways to change your credit score is to add good credit to your credit reports and there are 3 simple ways to add good credit.
Why payment history is important and how to earn the maximum credit score points
Making your credit payments on time is one of the biggest contributing factors to your credit scores. Payment history holds the most weight when it comes to your FICO score. It accounts for 35 percent of your FICO score. A poor payment history means you are unlikely to get the best interest rates and optimal…
Easy way to rebuild credit history without taking on debt
People often associate credit cards with debt. But having credit cards does not mean you have to take on debt. The truth is you need current, active credit accounts in order to rebuild credit history. Having nothing but negative credit reporting to the bureaus will not help credit scores. To rebuild credit you need positive…
How to pad your credit report if you have negative items
If disputing negative credit is not your cup of tea, use these techniques to pad your credit report with positive information. Current positive information, like on-time payment history, will help your credit scores.
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