Get the most out of your credit cards
When used properly and effectively, credit cards can really be a great tool. They can help you increase your credit score, help you get out of a bind when you need money, and they are a safety net just in case. But when used the wrong way, they can get you into trouble. Find out how you can really get the most out of your credit cards so that you can improve your life.
Big List of Free Credit Reports, Free Credit Scores, and Free Credit Monitoring
I've been getting some questions related to credit reports ? perhaps it's the New Year and people are trying to get back on track? Sounds like a good idea no matter what, so here's a braindump, er? ongoing compilation of all the ways I can think of to get free credit reports, free credit scores, and free credit monitoring services. Remember that there are three major consumer credit bureaus ? Equi ... ...
Consumer Reports On Credit Scores & Credit Card Bonuses
The standard personal finance magazine advice is to apply for as few credit cards as possible, ostensibly to keep your credit score high. However, a recent Consumer Report article which tries to make the same case, actually ends up making a better case for applying for a steady stream of credit cards, especially when they are paying you big bucks to do so. ...
Credit Reports, Credit Scores, FICO, & FAKO Explained
This year, Im trying to make my posts more modular so I can interlink them more easily. Ive mentioned several of these bits and pieces about credit reports and credit scores before, but I wanted to put it all together at least once. Here goes: Credit Bureaus There are three major credit bureaus that collect and track your personal financial data. They are Equifax, Experian, and TransUnion. ...
Best Small Business Credit Cards 2012
Whether you have a small business with just one employee or over 100, its critical to track your your business expenses and keep them separate from your personal finances. ...
Flowchart: How To Save Money On Credit Scores
Ive written several posts on credit scores, credit reports, and how to minimize your spending on them. While there are times when you might just have to plunk down your hard-earned money on a credit score, most of them time you can avoid it. Heres a flowchart that I just whipped up that will help guide you to what you need. No matter what, youll pay less than retail. ...
How Opening and Closing Credit Card Accounts Affects Your Credit Score
Ive been taking advantage of credit card bonuses and rewards for over 10 years now, earning thousands of dollars in perks while paying zero interest. I can honestly say that sign-up bonuses have never been larger than today. ...
Why You Shouldn't Use Debt Settlement Agencies
The following is a guest post from reader Daniel Gershburg, Esq., who writes about the inner workings of debt settlement agencies. Daniel is a bankruptcy attorney in New York and New Jersey. Over the past several years, our economy has gone into the tank. Rampant unemployment, underemployment, in fact a near collapse of the financial system have completely reshaped our financial lives. ...
LendingClub Investment Criteria - What Loans To Avoid?
LendingClub.com (LC) is a website that securitizes person-to-person loans so that you can lend money to other people in as little as $25 increments, and you earn the interest. The idea is to replace banks and credit cards as the major middlemen used for lending. ...
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About the author:
I love to help people improve their lives. I always try to find the right techniques to make life easier, the right products to make tasks faster so that I can be more productive, and spend more time with my 8 month old daughter and my husband. Hopefully some of the things that I have found can help you in your life and home as well. ~ Brianna Lane