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Building Rebuilding Credit

Should you get a credit card after bankruptcy?

If you've recently had a bankruptcy discharged, your mailbox may be filling with new credit card offers. Although it seems counterintuitive, some companies actually seek out and market their cards to recently bankrupt individuals. That may be due in part to the fact that once you've declared bankruptcy, the law limits how quickly you can [...]

Categories: How Cards Work , Building Credit
What's a credit builder loan?

Looking for a quick way to re-activate or build credit without a credit card? Consider a credit builder loan. "A credit builder loan is actually a loan. It just happens to have the by-product of helping to establish or re-establish credit," says John Ulzheimer, credit expert at CreditSesame.com. "You might pay $100, $95, $75 a month, [...]

Categories: Building Credit
Sworn off credit cards? It could hurt your credit

Up until age 40, Ian Levinson had credit. "I had credit cards and I maintained perfect credit on credit cards for personal and business use," says Levinson, who owns Cloud House Pottery in Delray Beach, Fla. Levinson, who grew up in Southern California, opened a new bank account after moving to Sedona, Ariz., in 2006. He used a [...]

Categories: Building Credit
Co-signing a loan? Better be aware of the consequences

So you have excellent credit? Good for you. A credit score of 700-and-above makes it easier and less expensive for you to buy a home, lease a car, start a business, or obtain any other type of financial credit. But you can degrade or even ruin that credit -- or take a big hit in the pocketbook [...]

Categories: Building Credit
Running up the credit score

Valerie Howard of Nashville started planning her financial life at age 14. Now, at age 22, she has two credit cards, a car, a house, a healthy 401(k), and a good credit score. A good credit score is something you may not think about -- until you need it to get the best credit card, buy [...]

Categories: Building Credit
Best credit cards after bankruptcy of November 2019

TABLE OF CONTENTSBEST CREDIT CARDS FOR AFTER A BANKRUPTCY SECURED VS. UNSECURED CREDIT CARDSThough the total number of individuals filing for bankruptcy each year is declining (the latest available report shows that the June 2016 annual bankruptcy filings totaled 819,159, compared with 879,736 cases in the previous year), there are still a staggering number of people [...]

Categories: Best Cards, Building Credit
How $5 ruined my credit score

CardRatings.com asked readers to tell us how they helped or hurt their credit scores. This story from reader Melinda Graham of York, Pa., shows how a little bill can cost you big money. In the fall of 2008, I got a flu shot at my doctor's office. A few weeks later, I got billed $5 for [...]

Categories: Building Credit
Best credit cards for bad credit of November 2019

TABLE OF CONTENTSBEST SECURED CARDS FOR BAD CREDIT BEST UNSECURED CARDS FOR BAD CREDIT SECURED VS. UNSECURED CREDIT CARDS [RELATED_ARTICLE]List of Top PicksCardName - Secured CardName - UnsecuredFrom qualifying for the best credit card reward offers from our partners to receiving favorable rates on auto loans and mortgages, your credit score can have a major impact on your life. Information [...]

Categories: Bad Credit, Secured Cards, Building Credit, Credit Report, Best Cards, Credit Scores, Prepaid Cards
5 financial Band-Aids that can make the bleeding worse

You've resolved to improve your financial situation this year. Maybe you want to pay off a loan, knock off some credit card debt or boost your credit score. Way to go! As you set out to accomplish your goal, beware and avoid options that seem like quick fixes. Often, they only help at the surface temporarily, [...]

Categories: Debt, Building Credit, Tips, Financial Literacy
Square one: how to build credit after divorce

Going through a divorce can be one of the most stressful and emotionally draining experiences of your life. Your credit score is probably the last thing on your mind, but you do need to make sure you're working towards a healthy financial future in the midst of the separation from your spouse. Some people are left [...]

Categories: Building Credit
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