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You can’t obtain credit without a positive credit history. You can’t build a history until you’ve had some credit. So what are you supposed to do? There actually are some options for those looking to get started who may not be eligible for conventional credit cards and loans.
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In a previous post we discussed How to Use Credit Wisely. Hopefully, you’ve already been practicing some of the methods and ideals that were mentioned. But if you’re already in some trouble with credit card debt, you’re probably more concerned with digging yourself out. We’ll talk about methods to pay off your debt at another [...]
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Credit card debt can spiral out of control. Here are some ways to protect yourself from getting in over your head.
Do not use credit cards to finance an unaffordable lifestyle. If you are constantly using credit cards and are unable to pay the resulting bill each month, then consider whether you are using your cards [...]
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The exact formula for calculating your credit score is an industry secret. I can see them now, sneaking around with their calculators, judging me. We don’t know how they do it, but we do know what information on which a credit score is based, and how heavily each piece of information is weighed.
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Paying off a credit card balance takes hard work, dedication, and sometimes a few shed tears or longing looks at a store window you force yourself to walk past. Getting caught in the spiral of interest and fees is easier than climbing out, so when the statement comes in the mail (email?) with a beautiful [...]
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The CARD Act: New Credit Card Rules
The Federal Reserve’s new rules for credit card companies mean new credit card protections for you. Here are some key changes you should expect from your credit card company beginning on February 22, 2010.
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