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Building Rebuilding Credit

Should you get a credit card after bankruptcy? Written by Maryalene LaPonsie 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 [...]
What's a credit builder loan? Written by Lucy Lazarony 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, [...]
Sworn off credit cards? It could hurt your credit Written by Lucy Lazarony 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 [...]
Co-signing a loan? Better be aware of the consequences Written by Brian O'Connell 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 [...]
Running up the credit score Written by Karen Haywood Queen 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 [...]
Best credit cards after bankruptcy of September 2020 Written by Jennifer Doss Best credit cards for after bankruptcy Using a credit card after bankruptcy can be a great way to improve your credit score. CardRatings editors reveal the best credit cards for after bankruptcy to help bring your credit score back up.Though the total number of individuals filing for bankruptcy each year is generally declining, there are still [...]
How $5 ruined my credit score Written by Ellen Cannon 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 [...]
Best credit cards for bad credit of September 2020 Written by Jennifer Doss Best credit cards for bad credit of September 2020 Even if you have limited or bad credit, getting approved for a credit card isn't impossible, and the right credit card can help you work your way towards a better credit score. CardRatings editors reveal the best credit cards for those with bad or limited credit scores.[...]
5 financial Band-Aids that can make the bleeding worse Written by Doresa Banning 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, [...]
Square one: how to build credit after divorce Written by Lynnette Khalfani-Cox 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 [...]

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