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Building Rebuilding Credit

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
12 steps to credit recovery in 2012

If your 2011 financial history involved a string of late payments, dealing with foreclosure, or having accounts go to collections, your credit score probably took a beating. Still, it is possible to restore your credit if you're willing to make a consistent effort. You'll need to modify your spending, adopt healthier payment practices and tweak a [...]

Categories: Building Credit
The truth about bankruptcy and your credit score

If you've ever filed for bankruptcy, or considered doing so, you probably worried about the impact of a bankruptcy filing on your credit score. That concern is understandable. After all, a bankruptcy stays on your credit reports for 10 long years. But choosing bankruptcy protection doesn't mean your overall credit rating has to suffer for a decade. [...]

Categories: Building Credit
5 credit score serial killers

When we're kids, those shirts in the bedroom closet can look like lurking monsters. Without a nightlight, the dark can seem ominous and chilling. When we're a little older, our fears turn to horror movies, roller coasters and pop quizzes. But for grownups, there's nothing quite as dark and creepy as a steadily dropping credit [...]

Categories: Building Credit
Best secured credit cards

With responsible use, secured credit cards can easily boost or rebuild your credit score. Secured credit cards allow you to earn the trust of lenders, without posing a risk, because you're putting your own money on the line. Applicants for secured credit cards put down hundreds (or thousands based on creditworthiness) of dollars as a [...]

Categories: Building Credit, Best Cards, Bad Credit, Secured Cards
6 Things to Know Before Applying for a Secured Credit Card

If you're looking to rebuild a damaged credit history or if you're trying to establish credit for the first time, a secured credit card might be just what you need. A secured credit card offer can help resolve a catch-22 problem that torments consumers in these situations: How do you get a credit card when [...]

Categories: Building Credit, Secured Cards
How to Rebuild Your Credit History After Bankruptcy Using Secured Credit Cards

Several months ago Tom, a member of CreditBoards.com, filed for a Chapter 7 Bankruptcy. Now he is in the process of rebuilding his credit history. It's a task that is not easy, but with patient persistence he is seeing progress already. Daily he checks his credit score and is slowly seeing improvement.1 In addition to [...]

Categories: Secured Cards, Building Credit
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